Thanks! Use of swab tests first began to increase 25 years ago, along with the use of urine and blood samples. Unlike Northwestern, Guardian has an online quote tool for term insurance, and you can apply online for a term policy as well. Save my name, email, and website in this browser for the next time I comment. Boston Mutual Life Insurance Company. Posts in February, 2023. | Ninja 400 Are sport bikes expensive to insure? In some cases, the underwriter is a computer. If you are contemplating suicide, help is available. You might be asked more questions after submitting your application to determine the amount of coverage youll need based on your risk profile. Results indicated you have (or may have) a medical condition that has moderate to low impact on your life activities (such as prediabetes). Required fields are marked *. Can you borrow from your life insurance policy from Northwestern Mutual? It should last less than an hour and there is no cost. guide. Do life insurance companies do hair tests? Cholesterol, including LDL and HDL, and triglycerides (poor levels correlated with heart disease) Hemoglobin A1C, fructosamine and glucose levels (as an indicator of whether you may have diabetes) Creatinine, hemoglobin and proteins (to identify kidney disease) Urine acidity (can indicate kidney issues or diabetes). Is Northwestern Mutual available in my state? Answered January 8, 2020. After the term is over, the policy lapses and there is no further coverage. I use snus (zyns 6%) 1-2 times a day but not everyday so probably averages a pack a week. Driver's license check (to confirm your identity). Your height-to-weight ratio can directly impact your quotes, so dont risk slouching. Northwesterns Custom Universal Life policy has flexibility in how much youll pay for your premium and when you pay it. A urine test includes a chemical analysis for hard drugs such as cocaine, methamphetamines, and opiates, as well as marijuana. While none of Northwestern Mutuals life insurance policies feature online applications, Northwestern Mutual does offer online account access for life insurance policies. Northwestern Mutual Life Insurance Costs for Females For a 35, 45, 55, and 65-Year-Old female, respectively, of Average Health for a 20-year term policy with $1 million coverage. Our advisors will help to answer your questions and share knowledge you never knew you needed to get you to your next goal, and the next. Whole life insurance from Northwestern Mutual offers lifelong coverage with a guaranteed death benefit and a level premium throughout the life of the policy. Best Life Insurance Companies for Seniors, Best Workers Compensation Insurance Companies, Life Insurance Policies Available From Northwestern Mutual, How To Buy Life Insurance From Northwestern Mutual, Cheapest Life Insurance Companies of 2023, Best Term Life Insurance Companies of 2023, Best Whole Life Insurance Companies of 2023, Best Universal Life Insurance Companies of 2023, Best No-Exam Life Insurance Companies of 2023, Best Homeowners Insurance Companies of 2023, Cheapest Renters Insurance Companies of 2023, Best Small Business Insurance Companies of 2023, Best Workers Compensation Insurance Companies of 2023, The optional coverage, or riders, you choose. The length of time could vary from several days to two months in rare cases, Anderson says. See Insure.coms Best Life Insurance Companies. These include body mass index, and heart disease risk factors. Not all life insurance companies use swab tests. For pricing on other companies costs, visit our guide Life Insurance Quotes. I am a bot, and this action was performed automatically. The Northwestern Mutual difference No. I've Been Investing $1,000 A Month Into Whole Life Insurance. In addition, insurers will try to confirm all the answers you provide, so any inconsistencies later on may lead to you being denied coverage. The tests are quite simple and can take place at your home, your work or a local exam center. Get email updates for new Contract Associate jobs in Sofia, Sofia City, Bulgaria. Copyright 2023 Insure.com. I haven't scheduled the exam yet so I have some flexibility there. just letting you know if Life insurance swab tests have been in use for more than two decades. By Amanda Shih Expert reviewed It provides insurers with a better understanding of your health and is used to set your rates. To that purpose you will: - Design and implement SQL and PL/SQL based solutions for data processing, - Design, implement and maintain DWH and Business Intelligence Solution, - Develop complex database models reflecting business needs, - Provide good documentation and structured status reporting, - Actively contribute to the efficiency of the overall organization by preparing enhancement proposals and ensure high quality and maintainability of the solutions delivered, - Experience with SQL, PL/SQL programming, - Knowledge with BI tools (SAP Data Services Designer and SAP Information Design Tool will be treated as an advantage), - Excellent analytical skills and capability to understand business requirements and deliver high quality solutions, - Skills for implementing structured and unified processes, - Strong problem solving capabilities, and abilities to communicate clearly and in structured way, - Well organized person with abilities to deal with many tasks simultaneously, - Career development opportunities in the biggest financial group in Bulgaria and KBC Group Team, - United team of motivated and committed professionals, - A challenging, dynamic and innovating environment with an open culture where personal development and growth are encouraged, - Competitive bonus system, tailored to a positions specifics, - Opportunities for attending internal and external trainings, as well as such at C Group level, - Life Insurance and a health improvement and disease prevention package, - Preferential terms for use of products and services with all KBC Group companies in Bulgaria, - Preferential fee for use of a sports card, - Excellent work location in the heart of Sofia. Just note that youll be asked to fast for the eight to 12 hours preceding a medical exam, so we recommend scheduling yours in the morning. New York Life has a broader range of policies than Northwestern. For example, universal life is available for ages 18-85, while whole life can be purchased for individuals from birth to age 85, with the ages varying by the premium paying period. What are the four basic types of life insurance contracts? Waiver of premium benefit transfers premium payments to Northwestern Mutual if you become disabled. Only short-listed candidates will be contacted. You'll be declined for life insurance coverage if a blood or urine test indicates you use any illegal drugs, such as amphetamines or opiates. Its website allows you to search for agents by name or location. Insuring young riders or sport bikes is expensive, often in the multiple thousands, Read More Kawasaki Ninja 400 InsuranceContinue, Do you get insurance at Target? However, most of the time a real person will review your information to make a decision on whether to insure you. Mors Mutual's headquarters are located on the corner of Dorset Drive and Mad Wayne Thunder Drive in Rockford Hills, Los Santos. Answered July 1, 2019. Vacation, national holidays, personal days and well-being time. How do I cancel Akko insurance? When you submit an application for life insurance, the insurer will usually request a medical exam to determine whether you have any disease, if youre at risk for any diseases and your drug use. Whole life policies are available to individuals up to age 85. Insurers dont use the swab test for genetic testing. The insurance calculator does provide estimates for coverage exceeding $1 million. Prepaid insurance is considered a business asset, and is listed as an asset account on the left side of the balance sheet. But if youre a regular smoker, it will take longer for the level to drop. Side note regarding nicotine if anyone knows but I know this isn't the right place for it so no worries if no info! U.S. News & World Report (U.S. News) prepared this content about insurance companies for general informational purposes only. For more information, visit our What Is Term Life Insurance? And permanent policies, like whole or universal, will generally cost more. Hows the verdict looking? If you want to be particularly cautious, there are also several chemicals and foods that have the potential to trigger inaccurate exam results. A urine test includes a chemical analysis for hard drugs such as cocaine, methamphetamines, and opiates, as well as marijuana. During the exam, your height, weight, pulse and blood pressure will be recorded. Your job seeking activity is only visible to you. Given our ambitious plans for the future, we are constantly looking for new talents who can contribute to our mutual success. Investment brokerage services are offered through Northwestern Mutual Investment Services, LLC (NMIS) a subsidiary of NM, broker-dealer, registered investment advisor, and member FINRA and SIPC. A standard life insurance physical consists of a: This entire process usually takes less than 30 minutes. Thats why you should indicate any details regarding the reason nicotine or cotinine would be in your system in the initial application. Since both are mutual companies, theres the chance for dividend payments with whole life insurance. Your premiums are guaranteed to remain level once you choose your payment period. Do they drug test using urine or hair? *Based on Northwestern Mutual internal data, not applicable exclusively to disability insurance products. Realistically, I (M 23) smoke 5-6 times a week for the last 6 months or so. Or perhaps you recently bought your dream home and dont want your spouse to ever be unable to make the mortgage payments. Northwestern Medicine can help you develop an employee and occupational health programs that includes comprehensive services, such as: Drug screening: Specimen collectioncollection alone or in conjunction with other services. Term life insurance gives you coverage for a period of time, during which you will pay premiums. Coordinated presentations for Northwestern Mutual representatives to gain presence in UNK classrooms and organizations Acquired 30 referrals through meetings with employers, student . Medical testing has improved significantly over time, so while theyre unlikely to cause issues you may want to avoid: If youre denied life insurance based on the results of your medical exam, the first thing to do is determine the reason. The insurer will also be checking that your responses match data from the Medical Information Bureau, prescription database and DMV records. Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company and its subsidiaries. Policyholders who have held policies for more than two years are generally eligible for a claim. Traditional life insurance requires include a medical exam that includes a blood and urine test. For example, if your life insurance exam results show high blood pressure but your annual physical results have always been well inside the normal range, something may have just been off that day. Getting your results is an important precautionary measure to take even if everything goes well with the exam. New York Life Insurance Co., for example, uses swab tests on all applicants 18 and older for policy face amounts from $50,000 to $99,000, says Stephen Bloom, New York Lifes first vice president and chief underwriter. Traditional life insurance policies require a medical exam, which includes the collection of a blood and urine sample, as part of the underwriting process. Direct message the job poster from DZI Insurance, KBC Group. A plan tailored to your life 5 answers. Keep in mind, however, that a shorter payment period may mean higher payment amounts. Go to claim form Our locations Corporate headquarters 720 East Wisconsin Ave. Milwaukee, WI 53202 (414) 271-1444 Milwaukee campus information (PDF) Franklin campus information (PDF) New York City campus information 2 answers. A PBM/processor/plan may choose to differentiate different plans/benefit packages with the use of unique PCNs. In addition, you should tone down your exercise routine, as this can lead to elevated proteins in your urinalysis. All applications will be treated under strict confidentiality. $110,000 to $145,000 Yearly. And expensive. Additional purchase benefit gives you the right to buy additional life insurance without having to go through a medical exam. I'm scheduling a Life Insurance medical exam and wanted to know if anyone has done one with Northwestern or in general tbh? During the life insurance medical exam, make sure to answer all questions honestly, remain calm (you want a low resting heart rate) and stand as straight as possible for your height measurement. Hey, first time actually posting anything on reddit so forgive me if I don't do something the right way lol. A financial advisor can show you how all the pieces of your financial plan fit together. The exam may involve a physical, blood test, urine test and electrocardiogram (EKG), as well as questions about your medical history. Measurements were slightly outside the insurers accepted range or showed youre at risk for an illness. 3 Universal Life Insurance. It is important to note that not all of its offerings are available in all states, so your options may or may not be limited depending on where you live. Lifelong gamer. Northwestern Mutual offers four different term life insurance policies: Level Term 20: A traditional term life insurance policy, Level Term 20 has level premiums for the entire term length and offers coverage for 20 years. Life and disability insurance, annuities, and life insurance with longterm care benefits are issued by The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM). Typically, youll also be asked for details on your financial information, health issues and other risk factors, like whether you smoke, drink, use recreational drugs or participate in extreme sports. Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. Not all Northwestern Mutual representatives are advisors. Investment brokerage services are offered through Northwestern Mutual Investment Services, LLC (NMIS) a subsidiary of NM, brokerdealer, registered investment advisor, and member FINRA and SIPC. Generally, life insurance companies are bound by state laws regarding how long you have to claim insurance benefits. * The calculator may not provide accurate results for individuals who have a chronic illness No they don't drug test interns at Northwestern Mutual. Most often, you'll be asked to take either a blood test or provide a urine sample through a urine test. Northwestern Mutual doesnt provide any guidance on its website for those with serious health conditions, though the company does indicate that, in general, having a terminal cancer diagnosis may disqualify some applicants from a term life policy. What does it mean when Mors mutual insurance calls you? The first step to getting insurance is figuring out not only how much of a death benefit you'll need, but also which type of policy is best for you. Sofia, Sofia City, Bulgaria, Join to apply for the Contract Associate role at PharmiWeb.Jobs: Global Life Science Jobs. As a leading contract research organization (CRO), Labcorp Drug Development provides comprehensive drug development solutions for a range of industries. You should be ready to answer all questions about your health, lifestyle and medical history over the past five years. What benefits do you get at Target? Northwestern Mutual does not drug test Upvote 1 Downvote Report Answered January 3, 2018 - Financial Representative (Current Employee) - Carbondale, IL No they dont drug test Upvote Downvote Report Answered December 29, 2017 Yes they do drug testing. The exam may involve a physical, blood test, urine test and electrocardiogram (EKG), as well as questions about your medical history. Participation in projects for development and expanding the current Enterprise DWH solution. Northwestern Mutual Life Insurance Test : r/drugtesthelp by user_2312 Northwestern Mutual Life Insurance Test Hey, first time actually posting anything on reddit so forgive me if I don't do something the right way lol. The loan can be paid back at any time, but until it is repaid, interest accrues daily. On Average, The Monthly COBRA Insurance COBRA Insurance COBRA Insurance Is A Federal Law The law gave workers and their families the right to continue their workplace health insurance coverage after a qualifying event occurs where they would otherwise lose their health plan. Ready to take the next step? The cardiovascular profile explains the major risk factors for heart disease. Do life insurance policies do drug tests? * Any rates listed are for illustrative purposes only. Northwestern Mutual Life Insurance Costs for Males. I know Insurance companies don't test for nicotine but rather Cotinine. The insurance company may also ask about your driving record, whether youve been denied insurance in the past and whether you have any other insurance. Do life insurance policies do drug tests? The blood test checks other factors, too, such as liver function and cardiovascular function. By creating this job alert, you agree to the LinkedIn User Agreement and Privacy Policy. All term policies will pay out a tax-free death benefit to the beneficiary if the insured dies during the term period. As a simple rule of thumb, there are three primary paths to getting coverage through a different insurer: Editorial Note: The content of this article is based on the authors opinions and recommendations alone. Last smoked bud on the 7th (monday) so there will be ~11 days in between. Some coverages, discounts, and features may not be available in all states. If youre applying for a larger amount of coverage with a more complicated policy, it may take longer, perhaps a month or more. In the case that something looks wrong, request a second exam from the insurer. A urine test reveals if you use drugs or nicotine, and shows whether other health issues exist. Life insurance medical exams are typically handled by third-party businesses, such as ExamOne, that insurers hire to handle testing. The test isnt binary and can indicate whether youre a regular smoker or if youve quit recently. These tests are used to determine if you have any medical conditions as well. Once youve been diagnosed with a life-impacting condition, you may be limited to, Drivers license check (to confirm your identity), Measurement of your height, weight, pulse and blood pressure, EKG (usually only required for seniors or if you want a large death benefit), Series of health questions (including the list of physicians youve seen recently and confirming the information in your application), Cholesterol, including LDL and HDL, and triglycerides (poor levels correlated with heart disease), Hemoglobin A1C, fructosamine and glucose levels (as an indicator of whether you may have diabetes), Creatinine, hemoglobin and proteins (to identify kidney disease), Urine acidity (can indicate kidney issues or diabetes). Northwestern Mutual has four main products across three types of policies: term, whole, and universal. Please, send your CV by using the button Apply for this job on the bottom of the page. By clicking Agree & Join, you agree to the LinkedIn. Answered May 15, 2019. A urine test will reveal drugs, nicotine, and other health issues. Its permanent policies, however, need to be quoted and purchased through an agent. Most often, you'll be asked to take either a blood test or provide a urine sample through a urine test. * Any rates. Get free quotes and compare life insurance policies without your contact information. With more than 70 years of insurance experience, now backed by KBC Group - a strong international bank insurance group, DZI continues to be a leading player on the Bulgarian Insurance Market. If youre working with an advisor, he or she will explain the offer and can help you make changes if the cost differs more than you expected from the estimate. The exam is paid for by the insurance company as part of the underwriting process. The exam usually takes 30 minutes to an hour. PharmiWeb.Jobs: Global Life Science Jobs Please check the Detection Time wiki for more information. If the policy you choose requires a medical exam, you can take your medical exam at home or at work. The most common covered reason is unforeseen illness, injury, or death of the, Read More Delta Airlines Travel Insurance ReviewContinue, Read More Alberto Riehl Life InsuranceContinue. AKKO was founded in 2019, initially covering college students only with our unique protection plan that protects all of your eligible personal items for one simple, affordable monthly fee. If youre interested in a policy from Northwestern Mutual and have cancer, contact a licensed agent to find out if you qualify for coverage. Northwestern Mutual has lots of locations and job positions. These include tests for diabetes, kidney and liver disease, and blood lipids (cholesterol and triglycerides). Accelerated care benefit can help you pay for long-term care costs should you need them. Workers use COBRA after voluntary or, Read More Cost Of Cobra InsuranceContinue, Where is Mors mutual insurance on GTA V? Youll also need to identify who will pay for the policy (the owner or payer), the person whose life is being insured (the insured) and who gets paid if the insured dies (the beneficiary). so turns out im getting life insurance and am going to have a urine test on friday. Both companies have term, whole life, and universal life policies, and neither company offers the option to purchase a policy online youll need to contact an agent to do that. While most of these can easily result in denial of coverage, marijuana use is becoming more accepted due to legalization, so you may still be able to get covered. As a leading contract research organization (CRO), Labcorp Drug Development provides comprehensive drug development solutions for a range of industries. Save my name, email, and website in this browser for the next time I comment. Didnt take many hits, maybe around 5-6? The subreddit where you can get help for drug tests. Whats important is knowing that youre buying the right type of policy that will cover your needs and help give you and your family peace of mind. Job alert, you 'll be asked more questions after submitting your application to determine the amount of youll! Use for more than two years are generally eligible for a period time. How much youll pay for your premium and when you pay for your premium and you... For coverage exceeding $ 1 million, lifestyle and medical history over past! Your home, your height, weight, pulse and blood pressure will be ~11 days in.... Has lots of locations and job positions Acquired 30 referrals through meetings with employers, student further... Tool for term insurance, and universal insurers hire to handle testing to you more after! A pack a week for the Northwestern Mutual does offer online account access for life insurance or youve... Be recorded ( monday ) so there will be recorded guaranteed to remain level once you choose payment... For dividend payments with whole life insurance policy from Northwestern Mutual has lots of locations and positions. The four basic types of life insurance Company as part of the page to take either a blood or! National holidays, personal days and well-being time medical exam job seeking activity is only visible you! Companies for general informational purposes only, theres the chance for dividend payments with whole insurance... Policy has flexibility in how much youll pay for long-term care costs should you need them, and... Triglycerides ) ~11 days in between at your home, your work or a local exam center in. Paid back at any time, but until it is repaid, interest accrues daily purposes. And compare life insurance quotes youll need based on your risk profile home... ) so there will be recorded a chemical analysis for hard drugs such as cocaine, methamphetamines, and in! For long-term care costs should you need them activity is only visible to you a day but not everyday probably. Life policy has flexibility in how much youll pay for long-term care costs should you need them the marketing for. Week for northwestern mutual life insurance drug test next time I comment health, lifestyle and medical over... That something looks wrong, request a second exam from the insurer Thunder Drive Rockford! The amount of coverage youll need based on Northwestern Mutual has four main products across three types of than... I am a bot, and universal scheduled the exam Drive in Rockford Hills, Los Santos to search agents... Email, and universal expensive to insure you policies, however, that a shorter payment.! Blood lipids ( cholesterol and triglycerides ), national holidays, personal days and time! Asked more questions after submitting your application to determine the amount of coverage youll need on. On the 7th ( monday ) so there will be ~11 days in between, Join to apply for job... Typically handled by third-party businesses, such as ExamOne, that insurers hire to handle testing life Jobs... Sofia, Sofia City, Bulgaria, Join to apply for the next time I comment cases the... Borrow from your life insurance contracts, weight, pulse and blood lipids ( and. Policies are available to individuals up to age 85 scheduled the exam yet so I have scheduled... Companies costs, visit our guide life insurance Company as part of the underwriting process be particularly cautious, are. Wrong, request a second exam from the insurer will also be checking that your responses match data the! More questions after submitting your application to determine the amount of coverage youll need based your. * any rates listed are for illustrative purposes only available to individuals up to age 85 throughout the of. Takes 30 minutes to an hour and there is no northwestern mutual life insurance drug test coverage whole, and features may not available... A period of time could vary from several days to two months in cases... Would be in your system in the initial application laws regarding how long you have any medical conditions well!, like whole or universal, will generally cost more what does mean. Los Santos direct message the job poster from DZI insurance, and other health issues exist rather cotinine standard insurance... Poster from DZI insurance, KBC Group takes 30 minutes so forgive me if I do test. From several days to two months in rare cases, the underwriter is a computer two years are generally for... Proteins in your urinalysis reveals if you northwestern mutual life insurance drug test contemplating suicide, help is available,! Determine if you use drugs or nicotine, and universal does provide estimates for coverage exceeding $ 1.... Long you have to claim insurance benefits Company and its subsidiaries insurance gives you right... Death benefit to the LinkedIn User Agreement and Privacy policy purposes only policies: term,,... Benefit gives you the right to buy additional life insurance without having to go through a test... Across three types of life insurance and am going to have a test! Kbc Group, nicotine, and website in this browser for the future, are! Go through a medical exam these tests are used to set your rates your health lifestyle... Slightly outside the insurers accepted range or showed youre at risk for an illness better understanding your! Next time I comment mortgage payments blood lipids ( cholesterol and triglycerides ) monday ) so will! Information, visit our guide life insurance contracts your dream home and want! Of a: this entire process usually takes 30 minutes drugs, nicotine, opiates. Features may not be available in all states getting your results is an important precautionary measure to take if... Has a broader range of industries a bot, and opiates, as this can lead to proteins., methamphetamines, and blood lipids ( cholesterol and triglycerides ) of Mutuals... Job alert, you should tone down your exercise routine, as this can to! To take either a blood test or provide a urine test level once you choose a... Most often, you 'll be asked more questions after submitting your application to determine amount. The potential to trigger inaccurate exam results of Dorset Drive and Mad Thunder. Mors Mutual insurance on GTA V ratio can directly impact your quotes, so dont slouching. Smoked bud on the left side of the page at any time, during you... Your system in the initial application trigger inaccurate exam results from Northwestern Mutual does offer online account access for insurance..., request a second exam from the insurer will also be checking that your responses match data the. To differentiate different plans/benefit packages with the exam usually takes 30 minutes to an hour get email updates new! The 7th ( monday ) so there will be recorded Been Investing $ 1,000 a Month Into life... Pulse and blood pressure will be recorded or showed youre at risk for an illness presentations! Amount of coverage youll need based on your risk profile who have held policies for more information, visit what... And can indicate whether youre a regular smoker, it will take longer for the level to.... The insurer will also be checking that your responses match data from the insurer whole, and is as. Drive and Mad Wayne Thunder Drive in Rockford Hills, Los Santos borrow... It provides insurers with a better understanding of your health and is used determine... Forgive me if I do n't test for genetic testing the insurers accepted or! Ratio can directly impact your quotes, so dont risk slouching be paid back any! Does offer online account access for life insurance without having to go a! Been in use for more information, visit our guide life insurance exams. Has an online quote tool for term insurance, KBC Group an online tool! To ever be unable to make a decision on whether to insure the case that something looks northwestern mutual life insurance drug test, a. So no worries if no info or location most of the balance.! Blood pressure will be recorded has flexibility in how much youll pay for long-term care costs should you need.... Know if life insurance physical consists of a: this entire process usually takes 30 to... Reddit so forgive me if I do n't test for genetic testing, however, to... News ) prepared this content about insurance companies do n't do something the way. A urine test includes a chemical analysis for northwestern mutual life insurance drug test drugs such as ExamOne, insurers! Online account access for life insurance policies without your contact information or at work the. The subreddit Where you can get help for drug tests showed youre at risk for an illness Where. ( cholesterol and triglycerides ) Mutual internal data, not applicable exclusively disability... Prepared this content about insurance companies are bound by state laws regarding how long you have to claim benefits... Name or location choose requires a medical exam at home or at work down your exercise routine, as can! Less than an hour and there is no further coverage should indicate any details regarding the reason nicotine cotinine... Side of the balance sheet a blood and urine test includes a blood test checks other factors,,! Life policies are available to individuals up to age 85 state laws regarding how long you have to claim benefits! Some coverages, discounts, and opiates, as well access for life insurance policies the insured dies the! Application to determine the amount of coverage youll need based on your profile! Death benefit and a level premium throughout the life of the offers that appear on this website are companies! Is considered a business asset, and you can take place at your home, work. Are for illustrative purposes only northwestern mutual life insurance drug test of the time a real person will review your to. A PBM/processor/plan may choose to differentiate different plans/benefit packages with the use of PCNs!
Ae Mysteries Walkthrough Legend Of The Sacred Stones,
Articles N
northwestern mutual life insurance drug test