What Does A Life Insurance Urine Test Look For?

  1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    Primarily drugs and nicotine.  They will also screen for any other abnormalities that could affect your health depending on the amount of the policy.  Insurance companies do this to insure that they rate the policy properly.  Life insurance rates are based on average mortality, in other words, your expected life span.  Since tobacco and drug use have an adverse effect on your life span, companies charge an extra premium to compensate.
    Answered on June 20, 2013
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