However why do insurance companies prefer the use of a life
insurance urine test?
We're going to start off with an assumption: if you're reading this article, you're probably a marijuana user wondering if your drug use will show up in the life
insurance urine test.
Here are a few of the things that life
insurance urine tests can be used to uncover.
Not exact matches
No medical exam life
insurance, also called simplified issue, offers you the ability to get coverage without a physical or blood and
urine tests.
Guaranteed acceptance life
insurance is similar to no medical exam coverage in that you aren't required to take a physical or submit to blood and
urine tests in order to apply.
Choose an obstetrician or health care provider Interview potential doctors Contact health
insurance company about coverage Start and pregnancy and birth budget Discuss financial effects of pregnancy and baby with partner Stop smoking Stop drinking Stop using street drugs Talk to your physician about any prescription medications Drink at least 8 glasses of water every day Visit the doctor at least once per month or every 4 weeks Do not dye or perm hair Stop drinking coffee and other caffeinated beverages Exercise daily Start taking prenatal vitamins Eat foods rich in folic acid Eat iron rich foods Increase daily intake of whole grains, fruits and vegetables Nap as much as possible as fatigue is common Eat fish with low levels of mercury no more than 2 days per week Do not eat undercooked meats Do not eat unpasteurized dairy producs Do not eat cold cut deli meats Allow someone else to clean out the kitty litter, if applicable Limit exposure to chemicals Try to limit stress and tension Complete all prenatal
tests — HIV, Chlamydia, Gonorrhea, Anemia, Blood Typing, Sickle Cell Anemia,
Urine Screening and Rubella.
Guaranteed acceptance life
insurance is similar to no medical exam coverage in that you aren't required to take a physical or submit to blood and
urine tests in order to apply.
No medical exam life
insurance, also called simplified issue, offers you the ability to get coverage without a physical or blood and
urine tests.
Home Office
Urine Specimen (HOS): A full - screen urine test that an insurance company may require of applicants during the underwriting pro
Urine Specimen (HOS): A full - screen
urine test that an insurance company may require of applicants during the underwriting pro
urine test that an
insurance company may require of applicants during the underwriting process.
Many
insurance companies use blood and
urine tests to determine the level of risk a potential life
insurance policyholder might pose.
Also, if you get a life
insurance policy through your employer, you most likely won't be subject to a medical examination or a
urine test.
Source: Seattle P - I By NORMAN CHAD Day 1: Before the race, they check out our teeth, tonsils, eyes, heart, lungs, joints and feet; you'd think we were trying to take out a $ 10 million life
insurance policy... I hate
urine tests.
The life
insurance companies will definitely know if you use Marijuana because of your
test results for blood and
urine.
This means that there is no blood and
urine testing to worry about — and because of the no medical exam process, oftentimes, an applicant who has certain health issues will still be able to qualify for coverage, such as with a guaranteed issue life
insurance policy.
Home Office
Urine Specimen (HOS): A full - screen urine test that an insurance company may require of applicants during the underwriting pro
Urine Specimen (HOS): A full - screen
urine test that an insurance company may require of applicants during the underwriting pro
urine test that an
insurance company may require of applicants during the underwriting process.
By not having to have a physical examination, have your blood
tested, have your
urine tested, and have an intensive medical background check, we can get more people mortgage protection policies than with fully underwritten life
insurance policies.
A No Medical Exam Life
Insurance policy means people can receive real coverage, without having to provide blood and
urine for
testing.
This is because there are no blood and
urine samples to wait for
testing on — and, in some instances, there may not even be any health related questions for the
insurance company underwriters to review regarding the applicant.
Medical life
insurance policies will require you have a medical exam to qualify (blood
tests,
urine test, height, and weight, etc.).
To qualify for fully underwritten life
insurance, one must take a medical exam and
test (blood,
urine, diagnostics, height, weight etc.).
Whether it's because it adds time to the process or they just don't like the idea of a blood &
urine test, the medical exam can be the biggest hurdle in getting life
insurance coverage.
This can be its own red flag — a
urine sample that's over-diluted might call for a retest — and they won't do anything in the way of blood
tests, which is more common than a
urine test in life
insurance medical exams.
Let's start with the quick answer: Life
insurance drug
tests will
test your
urine and sometimes your blood, and that drug
test will reveal marijuana usage.
The life
insurance drug
test is similar to drug
tests you may have taken for your employer, and are usually administered by
testing a small
urine sample (some may collect blood for this
test as well).
Besides foreign substances in the body, life
insurance companies also use
urine tests to detect existing or potential health issues.
But company drug
tests aren't the only time you may have to pass a
urine test: Did you know life
insurance companies may make you take one, too?
If a potential health issue is flagged by a
urine test, the life
insurance company may do some more digging to confirm the findings, which can delay the application process.
However, when you apply for a no medical exam life
insurance policy, you are not typically required to submit a blood and
urine sample for
testing.
By doing the blood and
urine tests, the
insurance company looks for specific medical problems.
The life
insurance drug
testing is done through a blood and
urine sample.
Tests, like a
urine test, are utilized by
insurance for policies that involve huge amounts of money.
For instance, a 44 - year - old applying for $ 500,000 of coverage with American General Life
Insurance Company will likely be required to have a medical exam including blood and
urine testing.
During your life
insurance medical exam, a medical technician will verify your medical history, height, weight, blood pressure, pulse, and collect
urine and run a life
insurance blood
test.
The problem is that life
insurance will ask about smoking and runs a
urine test to determine if the body has any nicotine in the system before issuing any type of policy.
See What do life
insurance companies
test blood and
urine for?
No medical exam life
insurance is ideal for those who want to avoid blood
tests, having your blood pressure taken and providing a
urine sample.
It's a simplified issue life
insurance plan that has no health questions asked, and there's no awkward physical, no blood
testing, no
urine tests, and no tobacco
tests.
For any
insurance policy that requires a health physical, your
urine will be
tested for nicotine and other substances, so you do need to be honest about your use.
Insurance companies will
test either blood or
urine for the presence of cotinine, a chemical that gets left behind even after nicotine fades from your system.
Other life
insurance companies will give you non-smoker rates if you pipe smoke only as long as no nicotine is detected in your
urine test, which means you aren't a daily smoker since cotinine usually takes 1 - 3 days to leave your system.
The
insurance company will have a nurse or paramedic come to your house to perform a few basic medical
tests like draw blood and take a
urine sample and ask questions to fill out a medication questionnaire.
The cost of
testing your blood and
urine is also absorbed by the
insurance company.
Term Life
Insurance with No Doctor Exam — Offers you the chance to purchase term life insurance without having to take any physical exam, blood test, or ur
Insurance with No Doctor Exam — Offers you the chance to purchase term life
insurance without having to take any physical exam, blood test, or ur
insurance without having to take any physical exam, blood
test, or
urine test.
Many
insurance companies use blood and
urine tests to determine the level of risk a potential life
insurance policyholder might pose.
Term life
insurance without an exam offers you up to $ 1,000,000 of term life
insurance without having to take a physical exam, blood or
urine tests.
Normally when you shop for life
insurance, you must answer questions about your current health and medical history, as well as undergo a medical examination, including blood and
urine tests.
Depending on the company and the type of
insurance you purchase, the exam may include blood and
urine tests as well as a full check - up.
Insurance companies may request
urine or saliva
tests to check for the presence of nicotine.
Guaranteed acceptance life
insurance is similar to no medical exam coverage in that you aren't required to take a physical or submit to blood and
urine tests in order to apply.
No medical exam life
insurance, also called simplified issue, offers you the ability to get coverage without a physical or blood and
urine tests.