1. Tim WilhoitPRO
    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
  2. 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

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