What Tests Are Run For Life Insurance? 
The testing done by a life insurance company is a function of cost . Companies conduct as little testing as possible . Companies are now screening the medications prescribed . Reporting facilities can take one or two prescriptions and find out every drug that is prescribed to you . That gives the underwriter a pretty clear idea of your medical condition . Some testing of blood and urine is done . Other companies are using oral swabs . These techniques are designed to reduce cost and still discriminate acceptable from unacceptable risks . 