What does a life insurance saliva test for?

Life insurance saliva tests are not commonly performed. However, there are specific tests that may be conducted using saliva samples for different purposes related to insurance. Here are a few examples:

DNA Testing: Saliva can be used for DNA testing to verify an individual's identity or establish genetic relationships, such as paternity testing. Some life insurance companies may request DNA testing as part of their underwriting process to ensure the accuracy of the applicant's personal information.

Underwriting Risk Assessment: In some cases, life insurance companies may use saliva samples to assess certain health-related risks associated with an applicant. For instance, saliva tests can detect specific genetic markers or biomarkers that indicate an increased risk of certain diseases or medical conditions. This information may be considered during the underwriting process, but it's important to note that saliva tests alone are unlikely to determine insurability.

Substance Abuse Testing: Life insurance companies may request saliva tests to screen for substance abuse. The presence of specific drugs or alcohol in the saliva sample may impact the underwriting process and insurance rates.

Health and Wellness Programs: Some life insurance companies offer health and wellness programs that encourage healthier lifestyle choices. Saliva tests may be used as part of these programs to monitor biomarkers related to health, such as cholesterol levels or glucose levels. Participating in such programs may result in premium reductions or other incentives for maintaining healthy habits.

It's important to remember that life insurance saliva tests are not routinely conducted, and the specific tests performed may vary based on the insurance company's underwriting practices. If you're considering applying for life insurance, it's best to consult with the insurance provider to understand their testing requirements and how they use the information obtained from saliva samples.