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 insurer or agent for the test results and asking for another test. They may or may not allow you to take another drug test. The exam and testing is paid for by the life insurance company.
If you test positive for illegal drugs you may be declined for life insurance coverage.
In addition, there are life insurance companies that offer life insurance coverage with no medical exams and no drug testing.
Here's how you can learn more about
drug tests for life insurance.
