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Old 02-01-2010, 07:15 AM   #1
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Oral Swab Testing Oral Swab Testing
What exactly can the insurance companies determine from the oral swab test? Are they checking for nicotine, HIV?
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Old 02-01-2010, 09:15 AM   #2
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HarryRenard on Oral Swab Testing - Insurance Forum
 
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Oral Swab Testing Re: Oral Swab Testing
Originally Posted by AtlantaLife&Health View Post
What exactly can the insurance companies determine from the oral swab test? Are they checking for nicotine, HIV?
It has been 9 years since I have seen one of those and I must say that I do not miss them.

I believe that is exactly what they are testing for HIV and nicotine.
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Old 02-01-2010, 09:27 AM   #3
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Oral Swab Testing Re: Oral Swab Testing
Yes, it does test for HIV, nicotine and cocaine! Yeah, I had a guy a few years ago apply for a life policy, I gave him the oral fluid test and it came back reporting cocaine.
He said he only did it once or twice a week.....LOL.
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Old 02-01-2010, 09:37 AM   #4
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Mark on Oral Swab Testing - Insurance Forum
 
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Oral Swab Testing Re: Oral Swab Testing
Which company still does that?

I'm so glad I don't have to do those or the pee cups anymore.

MEMORIES!!!
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Old 02-01-2010, 10:06 AM   #5
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Oral Swab Testing Re: Oral Swab Testing
State Farm still does OST for nearly every policy we write (unless they need a full medical exam), unless it's on a child
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Old 02-01-2010, 11:35 AM   #6
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WinoBlues on Oral Swab Testing - Insurance Forum
 
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Oral Swab Testing Re: Oral Swab Testing
Americo does them. I think on cases $250K to $450K

I believe Primerica also.
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Old 02-01-2010, 11:41 AM   #7
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Oral Swab Testing Re: Oral Swab Testing
Back in the day, we had to collect pee from everyone...What a Mess that was. I hated doing it.
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Old 02-01-2010, 02:14 PM   #8
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Oral Swab Testing Re: Oral Swab Testing AtlantaLife&Health is the thread starter for: Oral Swab Testing

Originally Posted by Markingriffin View Post
Which company still does that?

I'm so glad I don't have to do those or the pee cups anymore.

MEMORIES!!!
Mutual of Omaha is requiring it for their non-medical 30 year Term Express product for $400,000.
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Old 02-01-2010, 04:40 PM   #9
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Oral Swab Testing Re: Oral Swab Testing
They can collect DNA that way!
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Old 02-02-2010, 12:38 AM   #10
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Oral Swab Testing Re: Oral Swab Testing
Originally Posted by AtlantaLife&Health View Post
Mutual of Omaha is requiring it for their non-medical 30 year Term Express product for $400,000.

Yea, MoOmaha does it for 250,001K-400K term life express ages 18-65.

Life of the Southwest also does oral swabs.
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