The life insurance blood and urine testing may check for several things that might lead to a lower life expectancy. Testing may check for use of illegal drugs, such as, marijuana, cocaine, methamphetamine, etc. The tests may also check for legal prescription drug use, high cholesterol, high protein levels, sexually transmitted diseases, HIV/Aids, etc.
The results of your exam and testing will help the insurance company to determine whether they should insure your life, and at what price, and how much coverage to offer you for life insurance.
In addition, there are some life insurance companies which offer no medical exam life insurance at higher rates, and for lower amounts of life insurance coverage, for people who do not want to take any physical exam, blood or urine tests.
Here's how you can learn more about the life insurance medical exam and review your options for life insurance.