A urine test is one of the easiest and affordable ways a life insurance underwriter can take a "snap shot" of a person's health. It is usually required when purchasing fully underwritten life insurance. The most common things the underwriter is looking for is diabetes, proteins and drug use among other indicators that blood either will not show or is more expensive to test for than urine. Underwriters give actuaries the best odds of whether a person is a higher risk to die at a certain age than average.
Urinalysis (UA) is used by life insurance companies to detect presence of disease when applying for medically underwritten policies. Urine tests used can point to the possibility of kidney disease, UTI, diabetes, liver disease, inflammation, even cancer.
Sometimes excessive exercise or dieting can affect the HOS, so try to drink a lot of water, avoid alcohol, eat balanced meals, and avoid excessive exercise in the days before your urine test.
Life insurance also uses urine to test for drug and tobacco use. If you use opoids (codeine, morphine, methadone, etc) for pain, or marijuana for medical or recreational use, explain that on your application or to the examiner collecting your urine sample. And keep in mind that cotinine (a metabolite of nicotine that is detected in urine and blood) can stay in the body for a long time after using tobacco.
It is best to disclose all health conditions, medications, and tobacco use to your agent ahead of time, rather than have it be a surprise on your life insurance exam. That way you can be matched with the company that will give you the best rate, your underwriter will rate you as good as possible due to your honesty, and your policy will pay out if something happens to you.
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Sometimes excessive exercise or dieting can affect the HOS, so try to drink a lot of water, avoid alcohol, eat balanced meals, and avoid excessive exercise in the days before your urine test.
Life insurance also uses urine to test for drug and tobacco use. If you use opoids (codeine, morphine, methadone, etc) for pain, or marijuana for medical or recreational use, explain that on your application or to the examiner collecting your urine sample. And keep in mind that cotinine (a metabolite of nicotine that is detected in urine and blood) can stay in the body for a long time after using tobacco.
It is best to disclose all health conditions, medications, and tobacco use to your agent ahead of time, rather than have it be a surprise on your life insurance exam. That way you can be matched with the company that will give you the best rate, your underwriter will rate you as good as possible due to your honesty, and your policy will pay out if something happens to you.