Whether or not a drug test is required for life insurance applicants usually depends on the following factors:
1. The type and amount of life insurance requested.
2. The insurance company.
3. The insured's health and age.
In many instances the insurance company may require you to take a drug test if you are requesting $100,000 or more of life insurance coverage, or you answered yes to certain drug-related questions on the application.
What do they test for in a life insurance drug test?
The nurse will ask you questions related to your health.
A physical test of your height and weight along with samples of urine, blood and saliva if you smoke may be taken.
Depending upon the age and other health problems mentioned she might do a Cardiogram.
The drug tests of your blood, saliva, or hair follicle samples may check for legal prescription drugs, as well as, illegal drugs, such as, marijuana, cocaine, amphetemines, and barbituates.
Here's how to learn more about the life insurance medical exam and what it may include.
Insurance without any Medical Exam,
Just a Few Health Questions.
