What Do Life Insurance Urine Tests Test For?
Life insurance medical exams are an essential part of the process of getting life insurance. The exams are conducted by third-party businesses hired by insurers, such as ExamOne. These exams are designed to assess your health, confirm the information on your application, and screen for illegal drug use. In this article, we will discuss what life insurance urine tests test for.
What Does a Standard Life Insurance Physical Consist Of?
A standard life insurance physical consists of a height and weight measurement, blood pressure check, blood and urine sample collection, and a medical history review. Here is a table of what life insurance urine tests test for:
| Test | What it Tests for |
|---|---|
| Blood and urine test | Dozens of health indicators and conditions |
| Prescription drug use | Whether you are taking any prescription drugs |
| Tobacco use | Whether you are a regular smoker or if you have quit recently |
| Diseases | Whether you have any diseases |
The tests are designed to identify whether you are overweight, at a higher risk for a heart attack or other health issues that the insurer wants to avoid. The insurer will be checking that your responses match data from the Medical Information Bureau, prescription database, and DMV records.
How to Prepare for a Life Insurance Medical Exam?
Preparation for a life insurance medical exam starts during the application process. Be ready to answer all questions about your health, lifestyle, and medical history over the past five years. Starting a few days before the medical exam, eat healthy foods and drink plenty of water. Specifically, eat more food that raises your good cholesterol while reducing your intake of fried or sugary foods. Drinking more water helps to clear chemicals out of your system, open your veins, and prepares you to give a urine sample.
Beginning one to two days before a life insurance medical exam, stop or reduce your intake of coffee and alcohol. In addition, tone down your exercise routine, as this can lead to elevated proteins in your urinalysis. Also, avoid certain chemicals and foods that have the potential to trigger inaccurate exam results.
Conclusion
Life insurance medical exams are designed to assess your health, confirm the information on your application, and screen for illegal drug use. Blood and urine tests during a life insurance medical test screen for dozens of health indicators and conditions, such as prescription drug use, tobacco use, and diseases. Preparation for a life insurance medical exam starts during the application process. Stop or reduce your intake of coffee and alcohol before the exam and avoid certain chemicals and foods that have the potential to trigger inaccurate exam results.
