Yes, the life insurance exam you take when you are buying life insurance may take samples of your blood or urine to be tested for several health issues, as well as, testing for the presence of prescription and illegal drugs in your system.

Some of the drugs they may test for include cocaine, methamphetamine and marijuana, among others.

If you do not use any drugs but the testing showing a positive for drug use, it may be a false positive. You can contest the test results by contacting the insur...
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Yes, State Farm may test for drugs when you request a life insurance policy.

However, the drug testing requirement may vary by applicant based on your age, health, and answers to the questions on the application form.

Many life insurance companies test for drugs as a standard part of their application process for life insurance.

However, there are some insurers that do not require you to take a medical exam, or drug test.

In fact, one life insurance carrier offers up to $350,000 of life insurance...
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Only life insurance policies that use medical underwriting will test you for drug use through a blood and/or urine test.

Simplified issue life insurance policies do not order blood tests or have you take exams, but they usually do ask about your previous drug use on your life insurance application.

Guaranteed issue life insurance policies do not ask about drug use on your application, nor do they it test you for drugs. However, the minimum age for most guaranteed issue life i...

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What are the main drugs that are a part of life insurance drug testing?

Life insurance companies may test for everything. Specifically, drug testing for life insurance may include marijuana, alcohol, cocaine, methamphetamine, LSD, heroin and other opiates. This is done through testing of samples of your blood and urine specimens.

Marijuana and alcohol are insurable by lost life insurance companies - you'll just pay higher rates depending on your amount of alcohol or marijua...

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