Readers ask: What Do Life Insurance Urine Tests Look For?

A life insurance urine test detects drugs like amphetamines/methamphetamines, cocaine, opiates, phencyclidine (PCP), barbiturates, benzodiazepines, and methadone. One drug that’s an exception, though, is marijuana.

What kind of drug test does life insurance use?

Traditional life insurance requires include a medical exam that includes a blood and urine test. A urine test reveals if you use drugs or nicotine, and shows whether other health issues exist. There are no medical exam life insurance policies, but they pay lower death benefits.

Why do insurance companies want a urine sample?

Urine tests are an effective way to check for a range of potential health issues, like kidney disease, liver problems, diabetes, and infections. Providers will send your samples to a lab for microscopic review to gauge your health overall.

What do they look for in a urine test?

It’s used to detect and manage a wide range of disorders, such as urinary tract infections, kidney disease and diabetes. A urinalysis involves checking the appearance, concentration and content of urine. For example, a urinary tract infection can make urine look cloudy instead of clear.

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Can you use fake urine for life insurance?

You can’t ‘beat’ a urine test For the life insurance urine sample, you will use a cup like you would at the doctor’s office during a physical. The cup has a temperature strip that helps determine if the urine is genuine and fresh – to prevent using someone else’s urine or synthetic urine.

What does a life insurance physical consist of?

During the exam, your height, weight, pulse and blood pressure will be recorded. You likely will have to provide a urine sample and have blood drawn to test for health issues such as elevated cholesterol or blood sugar levels, and to screen for nicotine and drug use.

What happens if you fail a life insurance drug test?

You’ll be declined for life insurance coverage if a blood or urine test indicates you use any illegal drugs, such as amphetamines or opiates. The only exception to this rule is marijuana, as each insurer evaluates marijuana consumption differently.

Do insurance companies drug test employees?

Insurers have the right to require drug tests for health and life policies. Still, requests are rare. Signs of drug abuse may lead an insurer to refuse coverage or demand higher premiums.

How can I lower my blood pressure for a life insurance test?

So, how can I lower my blood pressure for my insurance test? Drink a few extra glasses of water for a few days before your exam. Try to avoid eating or drinking anything except water for 12 hours before you are examined. Try to avoid drinking alcohol, coffee, and smoking cigarettes before taking your brief exam.

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What are some examples of abnormal findings in a urinalysis?

Things the dipstick test can check for include:

  • Acidity, or pH. If the acid is abnormal, you could have kidney stones, a urinary tract infection (UTI), or another condition.
  • Protein. This can be a sign your kidneys aren’t working right.
  • Glucose.
  • White blood cells.
  • Nitrites.
  • Bilirubin.
  • Blood in your urine.

What type of infections can be detected in urine?

The most common infections diagnosed by urinalysis are UTIs, which are one of the most common bacterial infections that require medical intervention. Several other infections such as community-acquired pneumonia and viremia infections can also be diagnosed with the help of urinalysis.

What diseases can be diagnosed by testing urine?

The urinalysis is a set of screening tests that can detect some common diseases. It may be used to screen for and/or help diagnose conditions such as a urinary tract infections, kidney disorders, liver problems, diabetes or other metabolic conditions, to name a few.

Can you cheat on a life insurance exam?

Notice – BEWARE!! Cheating is a Crime… Per Section 1681.5(b) of the California Insurance Code, willfully cheating or subverting a license examination is punishable by a fine not to exceed $10,000 or imprisonment not to exceed one year.

How do you beat a life insurance physical?

Seven Tips to Pass Your Life Insurance Medical Exam

  1. Schedule Your Life Insurance Medical Exam in the Morning.
  2. Don’t Drink Coffee or Smoke Beforehand.
  3. Avoid Salts and Fatty Foods.
  4. Drink Lots of Water.
  5. Avoid Working Out.
  6. Get a Good Night’s Sleep.
  7. Have Important Documentation Ready.

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