What Does A Life Insurance Urine Test Look For? 
Primarily drugs and nicotine . They will also screen for any other abnormalities that could affect your health depending on the amount of the policy . Insurance companies do this to insure that they rate the policy properly . Life insurance rates are based on average mortality , in other words , your expected life span . Since tobacco and drug use have an adverse effect on your life span , companies charge an extra premium to compensate . 