By using medical tests are insurers trying to eliminate any applicants that are likely to develop a serious health condition in the future?

Medical tests provide accurate, current information about an applicant’s health that enable insurers to charge premiums that reflect the level of risk an applicant represents.

Because some health conditions are easily managed through proper medication, therapy or lifestyle changes, medical information makes it possible for insurers to cover applicants wi...
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Yes, most life insurance companies test you for tobacco use when you lay for life insurance.

However, it depends on the amount of life insurance you request and your age and health.

For instance, some insurers may not require a nocturne test for someone only buying a $10,000 life insurance policy.

However, if you need more than $25,000 of life insurance there may be a nicotine test required.

How does it work?

The life insurance company has an examiner come to your home and give you a paramedical e...
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If you are buying a life insurance policy the insurance company may require that you take a medical exam. The life insurance exam is paid for by the insurance company.

The exam may take a sample of your blood and/or urine to test it for drugs. The drug testing may check for any legal and illegal drugs in your system. 

Each life insurance company may have their own set of guidelines of what to test for and what positive test results in a decline for coverage. Some of the dru...

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Only life insurance policies that use medical underwriting will test you for drug use through a blood and/or urine test.

Simplified issue life insurance policies do not order blood tests or have you take exams, but they usually do ask about your previous drug use on your life insurance application.

Guaranteed issue life insurance policies do not ask about drug use on your application, nor do they it test you for drugs. However, the minimum age for most guaranteed issue life i...

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What are the main drugs that are a part of life insurance drug testing?

Life insurance companies may test for everything. Specifically, drug testing for life insurance may include marijuana, alcohol, cocaine, methamphetamine, LSD, heroin and other opiates. This is done through testing of samples of your blood and urine specimens.

Marijuana and alcohol are insurable by lost life insurance companies - you'll just pay higher rates depending on your amount of alcohol or marijua...

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