What Do Life Insurance Companies Test For? 
Video Transcript : What do life insurance companies test for ? As you well may know , people have to go through , generally , paramedical exams that look at 3 things , generally : Your blood , your urine , and sometimes EKG . All these can be performed at your home , your office , or other places of convenience . They 're really looking for different areas . It has 24 different areas they 're looking at . They 're looking at the outside normal range which can dictate diabetic conditions or cancer conditions . They 're looking for different diseases that the blood and urine workup will actually display on the panels and really tip them off to other areas such as drug use , tobacco use , alcohol use . They 're looking for all these areas because those are mortality-driven areas , and they actually have a really big impact on the price tag that you 'll pay . 