What Does A Life Insurance Mouth Swab Test For? 
Unless you are purchasing a No Exam policy , the life insurance company will want to know if you are HIV positive . The oral swab test can test for Hepatitis and HIV in addition to marijuana , cocaine and other drug usage . The test also measures cotinine , a much better predictor of cigarette usage than nicotine , and better able to disprove protestations of secondhand smoke . 