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?
Universer Reviewed by Universer on . Importance of Testing Well for Life Insurance Policy? Hi, I have purchased a Whole Life insurance policy, and as a part of the purchase, I need to submit blood and urine samples, just to check on my general health. I'm an occasional smoker, though over the past couple of months I've been as heavy as I've ever been -- smoking usually for an hour or two every second or third evening. However, today is Tuesday, and my exam is scheduled for Thursday, and I haven't smoked since Sunday. (I've also been diluting a bit -- that has worked for me in Rating: 5