Actually, most life insurance perform some form of drug testing for life insurance depending on their underwriting guidelines and your answers on the life insurance application form.
Some life insurers require a medical exam and drug testing for anyone requesting $100,000 or more of life insurance protection. Or, if you have indicated that you used drugs in the past, or currently use drugs.
It's important to answer all questions on your life insurance application honestly so your life insurance coverage is not denied due to any material misrepresentation - for instance, if you were to die as a result of chronic drug use within 2 years of buying your policy and you said you never did drugs on your application.
However, there are life insurance companies that offer life insurance with no medical exam required.
Some insurers offering no exam life insurance include American Life Policy, Liberty Life Insurance and Globe Life Insurance.
Insurance without any Medical Exam,
Just a Few Health Questions.
Yes most of the companies check the health of the insurer and held some tests to check the health, so there may be some risks that should increase your premiums as well.
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