What Do They Test For When Getting Life Insurance? 
In a nutshell , life insurance companies test for signs of illness , tobacco use and drug use . The lab tests detect signs that the liver , pancreas , kidneys , heart , and other organs may be malfunctioning . They also detect cotinine , a byproduct of nicotine , and some illegal drugs . These results enter into whether the policy can be approved , and the price that the insured person will pay . 