What Does A Life Insurance Urine Test Test For? 
Urinalysis -LRB- UA -RRB- is used by life insurance companies to detect presence of disease when applying for medically underwritten policies . Urine tests used can point to the possibility of kidney disease , UTI , diabetes , liver disease , inflammation , even cancer . Sometimes excessive exercise or dieting can affect the HOS , so try to drink a lot of water , avoid alcohol , eat balanced meals , and avoid excessive exercise in the days before your urine test . Life insurance also uses urine to test for drug and tobacco use . If you use opoids -LRB- codeine , morphine , methadone , etc -RRB- for pain , or marijuana for medical or recreational use , explain that on your application or to the examiner collecting your urine sample . And keep in mind that cotinine -LRB- a metabolite of nicotine that is detected in urine and blood -RRB- can stay in the body for a long time after using tobacco . It is best to disclose all health conditions , medications , and tobacco use to your agent ahead of time , rather than have it be a surprise on your life insurance exam . That way you can be matched with the company that will give you the best rate , your underwriter will rate you as good as possible due to your honesty , and your policy will pay out if something happens to you . 