Life Insurance Blood Test?

Question regarding life insurance blood test?

Can the life insurance company deny your application if you test positive for thc?

I was wondering if they would deny my application for life insurance if thc showed up in my blood test or urine test.

Yes, the life insurance company may decline you for coverage if your life insurance blood test results shows positive for thc in your system.

Tetrahydrocannabinol is the main psychoactive substance found in the cannabis plant. Since cannibis is illegal in most states, you may be declined for life insurance.

However, if you live in a state and jurisdiction where medical marijuana is legal and you are taking prescription medical marijuana, the insurer may offer you life insurance coverage.

In addition, there are life insurance plans that offer you term life insurance no medical exam required. There's no physical exam, no blood test and no urine testing.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.







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Life Insurance Companies and Blood Tests?

How common is it for a life insurance company to require a blood test?

I've never had to take one before but the life insurance company I am dealing with now requires one. Is it normal?


It can be quite normal for a life insurance company to require you to take a blood test in order to qualify for coverage.

Life insurers may want to check your blood for conditions like diabetes and anemia which could affect the underwriting, acceptance, and pricing of your life insurance policy.

Almost every life insurance carrier requests blood work unless the amount of insurance applied for is very small, or the proposed insured person is a juvenile.

In most cases, if you're buying more than $25,000 or so of coverage, all life insurance companies will do this.

However, there are some life insurers which do not require any blood tests. In fact, some life insurers require no physical exam, no blood tests, and no urine test.

Term life insurance no exam required offers you up to $500,000 of term life insurance coverage without any physical, blood, or urine testing - just a few health questions. If you qualify, you can start your life insurance today.

Term life insurance no blood tests allows you the option of qualifying for life insurance coverage in minutes, and there are no blood tests required by the life insurance company.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.

Life Insurance No Blood or Urine Tests

What do life insurance blood and urine tests check for?

Life insurance medical exam usually include blood and urine tests which may check for STD's, HIV/AIDS, high cholesterol, protein levels, diabetes, chronic health conditions, prescription drugs, illegal drugs, etc.

Basically, the testing is to determine your health, if you have any health problems, if you use any illegal drugs, and if you have a health condition which may lead to a shortened life expectancy.

Most life insurance companies will require a medical exam, blood and urine tests for people applying for $100,000 of coverage, or more.

If you don't want to take any exams, blood or urine tests, you do have an option.

There are insurers which offer up to $500,000 of term life insurance with no medical exams, just a few health questions. Here's how to learn more about term life insurance no exams required.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.