What Do They Test For In Urine For Life Insurance?

  1. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    They test the urine for a metabolite of nicotine called cotinine, in order to see if you are a tobacco user. They also test for cocaine and other illegal drugs. Creatinine or protein in the urine can be an indicator of kidney disease, or a side effect of uncontrolled diabetes, as can high glucose. The insurance company uses the urinalysis to confirm the information you put on the application, and to become aware if there are any hidden or unknown health conditions.
    Answered on September 17, 2013
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