By: Peggy Mace

Peggy Mace — Mon, 18 Nov 2013 17:21:28 +0000

Life insurance companies test to see if you have recently used illegal drugs or tobacco. They also perform tests that can indicate that you have, or are at high risk for, heart disease, kidney disease, liver disease, blood disease, and diabetes. These labs are obtained done through blood, urine, and/or saliva tests.

By: Steve Savant

Steve Savant — Mon, 11 Nov 2013 22:25:27 +0000

Video Transcript:

What do life insurance companies test for? As you well may know, people have to go through, generally, paramedical exams that look at 3 things, generally: Your blood, your urine, and sometimes EKG. All these can be performed at your home, your office, or other places of convenience. They're really looking for different areas. It has 24 different areas they're looking at. They're looking at the outside normal range which can dictate diabetic conditions or cancer conditions. They're looking for different diseases that the blood and urine workup will actually display on the panels and really tip them off to other areas such as drug use, tobacco use, alcohol use. They're looking for all these areas because those are mortality-driven areas, and they actually have a really big impact on the price tag that you'll pay.

New answer on: What Do Life Insurance Companies Test For?

By: Peggy Mace

By: Steve Savant