Do life insurance companies test for tobacco in urinalysis?

Answer Life insurance companies often check for the smoking habits of clients through the use of urinalysis testing, but low value policies may be excluded. Smokers often pay a higher premium rate due to ... Read More »

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Do life insurance companies test for drugs?

According to an article from, life insurance companies may check your blood for a variety of preexisting conditions such as diabetes, hepatitis, immune disorders, high cholesterol and ki... Read More »

Are life insurance companies regulated?

Life insurance companies are not regulated in the way that securities companies are, but individual states must grant permission for a company to sell life insurance. State insurance divisions also... Read More »

How do insurance companies test for nicotine?

Often, the type of insurance policy you can receive and its premium are dependent upon your health. Smoking negatively affects your health, and this has led to the common practice of insurance com... Read More »

Who oversees Canadian life insurance companies?

In Canada, life insurance companies are regulated at the federal level by the Office of the Superintendent of Financial Institutions. This office regulates companies that are federally incorporated... Read More »