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Insurance Exam Drug Testing

Insurance Exam Pre-Drug Testing

Most people have no idea what happens when they buy a life insurance policy that requires a paramedical exam. Do you? A nurse will call you the next day to come to your office or home to get your blood, urine, saliva, and maybe your hair for testing.

We welcome ALL Life Insurance Agents from all companies to use and refer our services to potential customers. We can schedule the test at one of our 8,000 locations nationwide or have a paramedical exam professional come to your home. Confidential & affordable. If you only need to test for drug, alcohol, and nicotine, this can be done by buying a kit that is sent to your home. Did you know the results of those test determine your premiums for the rest of your life? Please cancel writing them a check or setting up the exam until you have our test first. Then you can determine what you need to work on to pass this exam with flying colors. These results can effect your premiums by 50% or more for your entire life. Our bodies are all different and we metabalize things at different times based on many factors. The cost of our exam will not only give you your result; it can save you some serious money on your life insurance premiums.

Does a Life Insurance Exam test for Drugs, Nicotine, and Alcohol?

YES ,of course it does and more. This is how life insurance companies determine your premium, regardless of how you answer the questions. The urine, saliva, and blood work tells the truth. Here is the bad part. If you take the test and fail in ANY of these three and others, this information is in a database that ALL life insurance carriers have access to, so when you go to another Life Insurance company they already know. You will most likely never get a good rate anywhere.

What is in my Life Insurance Exam?

Just like you thought. A drug test going back a month and alcohol going back three or four days, plus nicotine going back 10 plus days. Everyone's body is different on how we metabolize things in our body. We have no idea when they are out, unless we test our blood, urine, saliva, or hair. The best thing to do is tell the insurance agent you will call them back when you are ready to purchase the policy. Let us schedule a test and see where you are on all levels. A clean test from a great diet and a few weeks of non indulgence can mean a 50% reduction in your premiums.

Life Insurance Blood Test

You will be tested for many things based on the value of the policy. The blood test part of the test covers:

  • Liver Functions
  • Cholesteral 
  • Chemistry Panel
  • Prostate Cancer
  • Hepatitus C
  • Maybe other things 

Ready to Buy & Schedule a Life Insurance Exam Pre-Test?

To Buy and Schedule a Life Insurance pre-exam test, select the type of test from the list below. Next select the quantity and add it to the shopping Cart. Proceed to the check-out process and pay for your selected test package. The application will ask a few questions about the testing location and what email address to send the results to. The system will auto-generate an email with the details and receipt. You will then be contacted by our staff and they will issue you a login URL and a username & password to review the testing date, time and location.    


You can order a kit sent to your home for Drug Test, Nicotine, Alcohol, and enter where to send results $145, second option is to have this plus the blood work at a certified collection site , plus cost of blood work panel, $295. To have a paramedical exam come to your home is $495. 



Not Ready to buy & schedule a test? If you need more information or have questions, fill out the form below and we will get in touch with you shortly. 

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ESM is your "One Source Provider" for all your screening needs nationwide. "Affordable" "Fast" "Accurate" Over 20 years in business. Call today 888-371-4615