1. 0 POINTS
    David RacichPRO
    Fountain Hills, Arizona
    Life insurance is a mortality product. Blood and urine testing generally has 24 item categories that determine a projected outlook on the prospects mortality or life expectancy. In generally terms the tests are used as a discovery method for disease, drug use and smoking status.
     
    Answered on July 22, 2013
  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Life insurance exams test for the presence of cotinine (a byproducts of nicotine), some illegal drugs, and indicators of disease. Lab test include tests for cholesterol and blood sugar. They are looking for disorders of the kidney, heart, blood, liver, and pancreas. They also test for HIV.
    Answered on July 23, 2013
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