What Does A Life Insurance Mouth Swab Test For? 
A mouth swab test is used by life insurance company underwriters for smaller face amounts in lieu of full paramed exam in which urine and blood are collected . The salvia test can show the basics to an underwriter such as tobacco use , illegal and prescription drug use and a few major diseases . The results are compared to the answers on the application for approval consideration or to see if further underwriting will be necessary such as ordering an attending physicians statement -LRB- APS -RRB- which is a person 's medical records . 