Although a mouth-swab test is regarded as somewhat less accurate than a blood or urine test, it's adequate for the purposes of the typical life insurance exam. Mouth-swab tests are painless and non-invasive. Crucially, they can test for a wide range of potential health issues.
The results of your mouth-swab probably won't cause your insurer to deny your application for insurance. However, the information that the test reveals may cause your premiums to rise by a substantial amount. In particular, the presence of nicotine or other drug metabolites in your saliva can indicate that you habitually use tobacco or illegal drugs. This revelation could easily double the cost of your insurance policy.
http://bit.ly/2Wtub59 Mine was done for life insurance along with a urine sample and a few vials of blood. I have also done them for job interviews and is more to see if you are a tobacco drug or alcohol user. |