What Is Tested For In A Life Insurance Urine Test? 
A life insurance urine test along with a blood test with larger policies are checking for two categories . The first series is looking for drugs , both illegal and prescription to test against medical records for abuse . Underwriting will test for nicotine and cotine , which stays in the system longer than just nicotine for tobacco use . The second set of tests are used to check for diseases like cancer , diabetes , heart disease , blood disorders , kidney disease , etc. . These results are usually compared to the individuals medical records for their risk assessment . 