I am almost entirely positive that it is a test (blood and urine) to determine general health. It is "to provide applicable medical information concerning my insurability." Cholesterol, liver and kidney disorders, HIV, and medications/drugs/nicotine/metabolites will be tested for.

The results will only be known to the insurance company.

I think I'll just dilute a bit and answer whatever questions they may have.

Any other thoughts, by N2Pot or anyone else?