A Urinalysis (UA) Test is used by life insurance companies to detect the presence of disease when applying for medically underwritten life insurance policies.
Urine test results can point to the possibility of diabetes, kidney disease, UTI, liver disease, inflammation, or even cancer.
Sometimes excessive exercise or dieting can affect the results of your testing, so try to drink a lot of water, avoid alcohol, eat balanced meals, and avoid excessive exercise in the days before you are to take your urine test.
Life insurance companies also uses urine testing to test for drug and tobacco use.
If you use opoids (codeine, morphine, methadone, etc.) for pain, or marijuana for medical or recreational use, explain that on your application for life insurance or to the examiner collecting your urine sample when you take your medical exam for your life insurance. And keep in mind that cotinine (a metabolite of nicotine that is detected in urine and blood) can stay in the body for a long time after using tobacco. So, even if you haven’t smoked in weeks or more than a month, cotinine may still show up in your tests.
Learn more about life insurance drug tests and how they work.
Urine test results can point to the possibility of diabetes, kidney disease, UTI, liver disease, inflammation, or even cancer.
Sometimes excessive exercise or dieting can affect the results of your testing, so try to drink a lot of water, avoid alcohol, eat balanced meals, and avoid excessive exercise in the days before you are to take your urine test.
Life insurance companies also uses urine testing to test for drug and tobacco use.
If you use opoids (codeine, morphine, methadone, etc.) for pain, or marijuana for medical or recreational use, explain that on your application for life insurance or to the examiner collecting your urine sample when you take your medical exam for your life insurance. And keep in mind that cotinine (a metabolite of nicotine that is detected in urine and blood) can stay in the body for a long time after using tobacco. So, even if you haven’t smoked in weeks or more than a month, cotinine may still show up in your tests.
Learn more about life insurance drug tests and how they work.
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