### Substances Tested in a Life Insurance Urine Test
Life insurance companies may conduct urine tests as part of the underwriting process to assess an individual's health and determine their risk profile.
In a Life Insurance urine test, several substances are typically tested for, including but not limited to:
1. Illegal Drugs: This may include testing for substances such as marijuana, cocaine, opioids, amphetamines, and other illicit drugs.
2. Prescription Medications: Some tests may screen for the presence of certain prescription medications, especially those with potential for abuse or that may indicate an underlying health condition.
3. Nicotine and Cotinine: Many insurers test for nicotine and its metabolite cotinine to determine tobacco use, as smoking can impact life insurance premiums.
4. Alcohol: Some tests may include screening for alcohol consumption.
5. Health Markers: Urine tests may also assess various health markers such as glucose levels, protein, and other indicators of potential health issues.
It's important to note that the specific substances tested for can vary by insurance company and policy, so individuals should consult their insurance provider for precise details regarding the testing process and substances included in the screening.