What Tests Do They Run For Life Insurance? 
The tests that are run for most medically underwritten life insurance policies are urinalysis and CBC -LRB- complete blood count -RRB- . These tests look for abnormalities that may indicate heart disease . blood diseases , kidney disease , liver disease , or diabetes . They also test for HIV and the presence of cotinine -LRB- a byproduct of nicotine -RRB- . 