Insurance Medical Tests: Saliva Samples

Insurance-related saliva samples are collected on smaller policy face amounts where a blood test and/or urine sample are not required.

In some instances, as is the same for a urine test, the agent/broker can complete the saliva test as an alternative to the nurse. The procedure takes approximately five minutes to complete and checks for the following:

1. The HIV virus

2. Nicotine

3. Cocaine – The dangers of cocaine are numerous, from a perforated septum to heart attack, stroke, seizure, HIV/AIDS, bowel gangrene, and death. Most cocaine deaths are attributed to accidental overdose, and overdose can happen at any amount. For help quitting, seek professional medical help.

Saliva tests, as a rule of thumb, screen for fewer medical warning signs than more intrusive tests like urine samples and blood test. For more details on test in Canada, please contact us at 1-866-899-4849 or visit our Term Life Insurance Instant Quote Page.

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  1. alec 06/16/2011 at 12:53 pm

    How long does it take for a pack a day smoker to be able to pass the smoking tests for Life Insurance?

    I mean how long ahead of getting insured would I need to quit?

  2. LSM Insurance 06/16/2011 at 8:36 pm

    Thanks it may only take a week or so eliminate nicotine from your system. But applications asked if the insured has smoked or used nicotine alternates in the last year.

    A false answer could make your policy null and void

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