Why Does Life Insurance Test Urine? 
Life insurance tests urine for medically underwritten life insurance policies to detect drug and nicotine usage , among other things . Urinalyses can show evidence of diabetes -LRB- or poor diabetic control -RRB- , renal disease , cancer , blood disorders , or infection . Not all life insurance policies require a urine test ; nonmed policies do not perform blood or urine tests . 