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
    COO and Senior Agent, Outlook Life, All 50 States
    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
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