A urine test is most commonly used as a drug screening test, but may also test for certain medical conditions.
Urine tests can check for STD's, high protein levels, diabetes, legal and illegal drugs in your system, as well as, any tobacco use, among other things.
The insurers use this information and the medical exam results to determine your expected longevity - how long they expect you to live.
The insurer then uses this information to determine if you are an acceptable risk for life insurance, and how much to charge you for your life insurance.
In addition, there are life insurance plans available with no health exams required. You can even apply online for no exam life insurance and start your life insurance today if you qualify.