What Do They Test For In Urine For Life Insurance? 
They test the urine for a metabolite of nicotine called cotinine , in order to see if you are a tobacco user . They also test for cocaine and other illegal drugs . Creatinine or protein in the urine can be an indicator of kidney disease , or a side effect of uncontrolled diabetes , as can high glucose . The insurance company uses the urinalysis to confirm the information you put on the application , and to become aware if there are any hidden or unknown health conditions . 