What Tests Are Run For Life Insurance? 
What tests are run for life insurance depends on the coverage applied for and vary somewhat by company . For smaller amounts there may just be a non-medical declaration and depending on whether or not anything is declared there may be no testing . If urine , and/or blood , is required , testing could include testing for bodily functions . The presence of raised levels of certain substances , such as sugar in urine , would trigger more tests . In addition , testing is done for nicotine and for traces of illegal drugs . X-rays , electrocardiograms or other tests could also be required . It is very important to be truthful when completing an application for insurance . If you have a medical condition you are concerned about , then experience and independence are important . I suggest working with a local agent/broker . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community . 