1. 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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