When you apply for life insurance coverage the insurance company may require you to take a medical exam which may include blood and urine testing.

The insurance company wants to check whether you have nicotine in your system, as well as, check for any legal or illegal substances in your system, such as, prescription drugs, marijuana, cocaine, methamphetamine, or any other illegal drugs.

Also, they are checking your urine for health issues, like high cholesterol, STD's, HIV/AIDS, diabetes, or an...
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