life insurance urine test
What test to get life insurance?
Wanted to have a life insurance policy for my family and me. They want to take a blood sample and urine. What are they looking for? Drugs, nicotine, disease?? What's the deal?
They are in it for drugs and as things like hepatitis, blood disorders and other diseases that potentially can be life threatening. If you find something does not mean that you will be disqualified, I could not get as much coverage you want. Approval process is about risk, what risk exists that the insurance company. I sell insurance life, so I understand what the insurance company wants, they want a good risk. An estimated age, sex, health status, lifestyle and family history to determine mortality by age (when statistically die) so you can calculate an annual premium for the amount of insurance you have applied for. Indeed, life insurance is the best vehicle for transfer of investment wealth out there. . . going to the beneficiaries income tax free, does not mean they do not apply to taxes of goods, but the beneficiaries do not have to include the insurance proceeds as income. Good Luck.
