What Does A Life Insurance Mouth Swab Test For

Your blood work will reveal drugs consumed in the past 3 to 5 months. Less invasive for the customer.

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New York Life Insurance Co for example uses swab tests on all applicants 18 and older for policy face amounts from 50000 to 99000 says Stephen Bloom New York Life.

What does a life insurance mouth swab test for. The salvia test can show the basics to an underwriter such as tobacco use illegal and prescription drug use and a. During your paramed exam the medical exam for life insurance the examiner will draw blood. In the United States thousands of deaths are attributed to the use of nicotine which is found in cigarettes.

Its also referred to as a saliva drug test or oral fluids drug test. The life insurance medical exam is the opportunity for your life insurance company to review your medical history and basic information that was used to make your life insurance application. He said he only did it once or twice a weekLOL.

Examiners also screen the urine sample for the byproducts of recreational drug use and to confirm measurements taken using your blood sample that might point to diabetes. The tests that life insurance companies perform on your urine sample help the underwriters evaluate the health of your bodys digestion and filtration systems. A mouth swab drug test uses saliva to test for the presence of drugs and alcohol.

Saliva tests are being used more often as an. The medical exam is paid for by the life insurance company. This test is conducted to help insurance providers determine the number of premium individuals has to pay.

If you have decided to pass the test and you cannot use any nicotine supplements then chewing on regular chewing gum cinnamon sticks apples other fruits and any edible. They test everything from your liver function to communicable diseases to cardiovascular issues. Chewing tobacco contains a high amount of nicotine holding an average-size dip in your mouth for 30 minutes gives you as much nicotine as smoking three cigarettes according to the National Institute of Dental and Craniofacial.

Life insurance companies test for nicotine and cotinine what nicotine metabolizes into in the body to determine whether you should receive a smoker classification. A mouth swab test is used by life insurance company underwriters for smaller face amounts in lieu of full paramed exam in which urine and blood are collected. This is a simple procedure in which a swab of saliva is taken from your mouth and tested for a number of things -- including nicotine.

HIVAids and Hepatitis B. The insurance provider might choose to opt for a test where either mouth swabs are used or blood is collected to know the exact amount of nicotine amount in the system. There are other things a swab test can be used for but for life insurance purposes these are the basics they may test your swab results for.

They will also review your medical history obtain basic health information and take a urine sample. There are specific lifestyle habits that insurance companies try to find out in order to assess the health risk of an applicant. These tests are quick and easy to.

It is usually used as pre-employment or post-accidental DOT screening. Drug testing policies vary from state to state and from industry to industry. Cocaine or other Illegal Drug Use.

Doesnt require a licensed medical professional to collect. The life insurance medical exam will usually be performed by a qualified medical professional like. Yes it does test for HIV nicotine and cocaine.

Palmier says ExamOne is in the research and development phase of a swab test for methamphetamine. A mouth swab for life insurance may test for the following. Yeah I had a guy a few years ago apply for a life policy I gave him the oral fluid test and it came back reporting cocaine.

The battery of chemical tests that comprises the second part of a life insurance medical exam is one of these safeguards. Mouth swab tests can detect drugs from soon after ingestion to 24 to 48 hours after use. Swab tests have a couple of advantages over blood and urine tests for insurers.

The amount of time drugs such as nicotine. A mouth swab drug test detects substances in a persons system by checking for the presence of drugs or alcohol in the saliva. NCnatwidagent Feb 1 2010.

Although a mouth-swab test is regarded as somewhat less accurate than a blood or urine test its adequate for the purposes of the typical life insurance exam. A mouth swab drug test is a screening test used to detect substance use. A life insurance medical exam is often part of the process of applying for a life insurance policy.

It is an easy screening method that can detect several illegal substances. Less costly for the company. Mouth-swab tests are painless and non-invasive.

To check just how healthy you are your insurer may ask you to provide an oral swab. The test is so easy in fact that life insurance agents themselves collect the swab samples from clients in some instances Anderson says. A mouth swab drug test also known as saliva or oral drug test is used to detect substance use.

A paramedical professional will draw blood to test for specific health conditions drug and alcohol use and overall health indicators.

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