Life Insurance FAQ's

Showing Tag: " life insurance exam" (Show all posts)

Do Life Insurance Exams Test for Drugs?

Posted by hadley hadley on Monday, April 27, 2015, In : Life Insurance FAQ's 
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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What Happens At A Life Insurance Exam?

Posted by hadley hadley on Wednesday, September 4, 2013, In : Life Insurance FAQ's 

What happens at a life insurance exam depends on your age, the life insurance company, and the amount of life insurance for which you are applying. 

If you are young and applying for a small life insurance policy under $100,000 of coverage, it is possible that all that is needed is answering some medical questions, and maybe giving a sample of urine for testing.

For most people that apply for a medically underwritten life insurance policy over $100,000 of coverage, a blood ...


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