A. The life insurance urine test along with a blood test with larger policies are checking for two categories.
The first series is looking for drugs, both illegal and prescription to test against medical records for abuse. Underwriting will test for nicotine and cotine, which stays in the system longer than just nicotine for tobacco use.
The second set of tests are used to check for diseases like cancer, diabetes, heart disease, blood disorders, kidney disease, etc. These results are usually compared to the individuals medical records for their risk assessment.