1. Chris Abrams
    Founder, Abrams Insurance Solutions, Inc., San Diego, CA
    Life insurance companies use a urine test, blood test, physical measurements and possibly a resting EKG to evaluate your overall health and your risk of death.  A urine test is most commonly used to test for drugs or alcohol, but may also be used to test for certain medical conditions.  A larger death benefit may require additional testing.
    Answered on May 20, 2013
  2. David RacichPRO
    Fountain Hills, Arizona
    Life insurance companies use the urine test for drug use, nicotine use, medical conditions such as kidney function. Additional medical measurements like ketones, nitrites, glucose, protein, alkaline and specific gravity. These measurements can have an impact on mortality or life expectancy, i.e. shorter life expectancy, which means higher cost of insurance.
     
    Answered on May 20, 2013
  3. Tim Wilhoit
    Owner, Your Friend 4 Life, Brentwood TN
    Life insurance companies test urine for a number of things. It is a more affordable way than to test blood. However, depending on your age and face amount it is likely they will test both. Urine tests show drug, both prescription and illegal use, as well as nicotine/cotine for tobacco use. They also can find evidence of diabetes, heart issues, cancer and kidney disease.
    Answered on August 12, 2014
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