1. Ted RatliffPRO
    Owner, SeniorCare Financial Services Northeast Ohio,
    A mouth swab test generally tests for drugs and tobacco. It can also test for other things but this is what the insurance company is usually looking for. Many companies are doing this instead of having a paramedic come out and take blood. It is less expensive and the agent is able to do it when he does the application in many cases.
    Answered on April 20, 2013
  2. Peggy MacePRO
    President and Senior Agent, Outlook Life, Most of the U.S.
    Unless you are purchasing a No Exam policy, the life insurance company will want to know if you are HIV positive. The oral swab test can test for Hepatitis and HIV in addition to marijuana, cocaine and other drug usage. The test also measures cotinine, a much better predictor of cigarette usage than nicotine, and better able to disprove protestations of secondhand smoke.
    Answered on May 2, 2013
  3. James ElbaumPRO
    President | Founder, CLM Insurance Group, Delray Beach, FL
    A mouth swap for life insurance will test for the following:

    HIV/Aids and Hepatitis B
    Tobacco Use
    Cocaine (or other elicit drugs) Use

    There are other things a swab test can be used for, but for life insurance purposes these are the basics.  In addition, if you are only doing a swab test rather than a full paramedical exam then you are most likely applying for a small death benefit term life policy.  These are great, inexpensive ways to provide death benefit to the insured.

    For additional information on a swab test for term life insurance please visit www.clminsure.com or call 561-320-2978
    Answered on April 11, 2014
  4. Jim WinklerPRO
    CEO/Owner, Winkler Financial Group, Houston, Texas
    Great question! A swab will test for many things, but typically the focus is on tobacco, major diseases, and illegal substances. They do this to ensure that what is marked on the application matches what is marked in your saliva. That protects you, and the insurance company, should a claim be filed at some point for something that the swab might or might not have found. If you have more questions, please hit the 'contact me' button, and I'll get back to you. Thanks for asking!
    Answered on April 11, 2014
  5. Tim WilhoitPRO
    Owner, Your Friend 4 Life, Brentwood TN
    A mouth swab test is used by life insurance company underwriters for smaller face amounts in lieu of full paramed exam in which urine and blood are collected. The salvia test can show the basics to an underwriter such as tobacco use, illegal and prescription drug use and a few major diseases. The results are compared to the answers on the application for approval consideration or to see if further underwriting will be necessary such as ordering an attending physicians statement (APS) which is a person's medical records.
    Answered on April 15, 2014
    Agent, WMH Consulting LLC, Fort Worth, Texas
    The mouth swab test can reveal HIV,Hepatitis,Cotinine(Tobacco use), Marijuana,Cocaine and other drug usage. It is used to confirm answers on the application.Many times it is used in lieu of a more costly full paramed exam in which blood and urine are collected. The application process can be expedited by this method as the agent can often times administer the swab test when completing the application.
    Answered on May 28, 2015
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