When you submit an application for a term life insurance policy and take the medical exam and drug tests they will look for anything that will increase their risk of insuring you. Examples would be; Ulcers, potential heart conditions, high cholesterol, high blood pressure, chronic medical problems, diabetes, and evidence of an unhealthy lifestyle.
They will also be looking for illegal and controlled substances, however this can also be done (and is usually more accurate) by taking a hair sample (even if you shave your head the hair can be taken from other parts of your body).
The presence of an illegal substance in your body is grounds for a rejection of your life insurance application.
In addition to illegal substances they will screen your urine for alcohol, sodium, caffeine, and a number of other substances that will "increase the risk of insuring your life".
Learn more about life insurance drug tests.
They will also be looking for illegal and controlled substances, however this can also be done (and is usually more accurate) by taking a hair sample (even if you shave your head the hair can be taken from other parts of your body).
The presence of an illegal substance in your body is grounds for a rejection of your life insurance application.
In addition to illegal substances they will screen your urine for alcohol, sodium, caffeine, and a number of other substances that will "increase the risk of insuring your life".
Learn more about life insurance drug tests.
RSS Feed
