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 any other chronic health problems.
The results of your urine testing will help the insurance company determine your health and risk you present for life insurance, as well as, aid in determining your longevity - how long they expect you to live.
Sometimes urine testing may generate false positives for certain drugs, and you can contest the results and request to be re-tested if you wish.
In addition, there are life insurance companies that offer life insurance plans without any medical exams and no blood or urine tests. In fact, some carriers offer up to $350,000 of
term life insurance no drug tests required, just some health questions to answer. Here's how you can
learn more about term life insurance drug tests and find out if you qualify to buy life insurance without any urine testing or drug tests.
