Each life insurance company has death benefit amount thresholds that require urine analysis testing. A urine analysis is a biological chemistry expose of your body’s elimination or lack thereof. A urine test checks for waste products from the kidneys, nicotine use, drug use, glucose and nitrate levels as well as specific gravity and protein amounts.
Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
An application for life insurance usually requires medical information. If the policy will exceed specified limits additional information is necessary. A urine specimen is normally required if the amount being applied for exceeds that limit. There are other techniques being used today such as mouth swabs and prescription evaluations and these have reduced the number of applicants who must give a urine specimen.
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The paramed exam will also include taking a blood sample, checking blood pressure, saliva testing, height and weight measurements, etc.
There are companies that specialize with non-med insurance. Assurity and Americo come to mind.