Why Do Life Insurance Companies Do Urine Tests?
12689 POINTSview profileTed RatliffOwner, SFS Associates,Urine, saliva or blood tests are performed to check for things like HIV, drug use, tobacco, or any other abnormalities that could affect a persons insurability and allow the insurance company to properly rate the risk. Since life insurance rates are based on mortality, anything that affects the persons probable life expectancy needs to be considered.Answered on July 10, 2013flag this answer
0 POINTSContact Meview profileDavid RacichPROFountain Hills, ArizonaLife insurance is a mortality product priced on your estimated life expectancy. Life insurance companies underwrite mortality based on medical information. One of piece of information they rely on is the results of a urine analysis.Answered on July 10, 2013+01+1 this answer
0flag this answerview more answers by David Racich.JPG)
63333 POINTSview profilePeggy MaceMost of the U.S.Life insurance companies do urine tests to check for diabetes, kidney function, nicotine, and drug use. If protein is present in the urine, it can indicate that diabetes is present or poorly controlled, that kidney disease is present, or that some other health condition is causing protein to spill into the urine.Answered on July 10, 2013flag this answer
Did you find these answers helpful?
Yes
No
Go!
Add Your Answer To This Question
You must be logged in to add your answer.
