Life Insurance and Drug Tests?

Do life insurance companies require that applicants take a drug test?

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.

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Insurance without any Medical Exam,
Just a Few Health Questions.

Do Life Insurance Applications Screen for Pot?

Do life insurance applications screen for pot, or just hard drugs?

The answer depends on the life insurance company.

However, most life insurance carriers will have applicants tested for marijuana, cocaine, and other illegal drugs which may include methamphetamine, heroine, etc.

Although, medical marijuana is legal in some jurisdictions, and the life insurance company may take this into consideration and possibly accept someone who tests positive for pot.

In addition, some life insurance companies offer term life insurance with no exam required, just a few health questions.

However, make sure you answer all questions truthfully so any claim made will not be contested if you should pass away from an undisclosed medical condition.

here's an article that explains the term life insurance drug tests and provides more information.

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

Term Life Insurance Drug Tests Explained

What are term life insurance drug tests, and why would I be tested for term life insurance?

Term life insurance drug tests are tests given to applicants for life insurance to determine the risk of inuring the person;s life.

Drug tests for life insurance may test your blood, urine, or even hair follicles to determine if you use any prescription, legal, and/or illegal drugs, as well as, any tobacco use.

Some drugs you may be tested for may include marijuana, cocaine, heroine, opiates, amphetamines, methamphetamine, etc.

If you test positive for illegal drugs you will probably be declined for life insurance.

Learn more about Term Life Insurance Drug Tests and how they work.

However, there are life insurers which do not require drug tests or a medical exam.

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