Insurance Medical Exams: Urine Tests

Urine Test by owlbookdreams
Most medical tests for
insurance applications
collect urine.
Photo by owlbookdreams.

Urine tests are completed on many traditional life insurance applications. In some instances, the insurance agent or independent broker can collect the urine test rather than a nurse. However, in either case, a permission slip is filled out and completed by the insured before the urine sample can be collected. The urine test takes approximately ten minutes for completion.

Some of the health dangers tested for by the insurance company in any urine test include the following:

1. The HIV virus

2. Cocaine and the presence of other drugs

3. Nicotine - Smokers often pay 50% to 100% higher premiums than non-smokers. If you have no hope of quitting, try applying for a guaranteed issue policy that features higher premiums, but no medical tests. For more information, click on Guaranteed Acceptance Life Insurance. You can also get a free quote at our No Medical Instant Quote Page.

4. Medications

5. Micro urinalysis

For more details on insurance medical exams in Canada, or what to expect from a urine test, contact us at 1-866-899-4849, or visit our Term Life Insurance Instant Quote Page.

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14 Comments

  1. alec 06/16/2011 at 12:56 pm

    How many months do I have to quit smoking for (pack/day) to be able to pass the nicotine test?

    And how many cigarettes/cigars can one smoke once insured before the policy is considered invalid?

  2. LSM Insurance 06/16/2011 at 8:39 pm

    Thanks it may only take a week or so eliminate nicotine from your system. But most 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.

    As for the number of cigarettes/cigars there is no maximum listed on the application – in terms of rates a smoker is a smoker if he/she smokes 1 cigarette/cigar or 40 a day.

  3. Marc 11/22/2012 at 1:42 am

    I’ve had my last cigarette (not finished, about less than 1/4 of the cigarette) on November 17th, will the nicotine show in my urine/blood test? The test is on November 22nd.

  4. LSM Insurance 11/22/2012 at 11:27 am

    Not sure – The results would show up longer in a blood test.

    Please keep in mind that info the insurance company finds out you lied on an application they can deny a future claim.

  5. Busy Asking 06/13/2013 at 9:17 am

    What insurance companies ask for blood tests rather than urine tests. I hate given blood.

  6. LSM Insurance 06/13/2013 at 10:11 am

    Its not generally based on the insurance company. The higher the amount of coverage and the older the applicant the more likely they will ask for a blood tests.

  7. Question 04/11/2014 at 1:06 am

    What other drugs are tested in the urine? If someone was a past user (occasional) and something is detected can they be denied

  8. LSM Insurance 04/11/2014 at 8:29 am

    Depends on the type of of drug and how long since you last used the drug. Keep in mind there is also a questionnaire if a material question is answered falsely the policy could become Null and Void

  9. Question 04/20/2014 at 11:26 pm

    Is there an exact policy for if someone has thc in their urine? Are they denied or does the insurance go up

  10. LSM Insurance 04/21/2014 at 8:08 am

    Thanks for the note. The policy could be rated (which is the standard premium plus an extra cost for the added risk) or declined. You could do a preliminary inquiry to get an idea – this would be an informal application with a non binding offer. You could also look into a Simplified Issue no medical teats and limited number of questions life insurance application – many of these plans will not have a question related to this.

  11. sukh 07/29/2014 at 4:33 pm

    Do all the insurance companies check for HIV and Hepatitis?

  12. LSM Insurance 07/29/2014 at 4:36 pm

    Hi Sukh,

    All traditional fully underwritten policies will check for this. You have some options with certain No Medical Simplified Issue plans. Regards,

  13. sukh 07/29/2014 at 5:10 pm

    Does Manulife check for HIV and hepatitis?

  14. LSM Insurance 07/30/2014 at 11:25 am

    Hi Sukh,

    Manulife will underwrite for HIV and Hepatitis for their fully underwritten policies. They do offer a direct Guaranteed Issue plan with no medical questions but the premiums are much higher

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