Life Insurance FAQ's

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

Does Life Insurance Test for Marijuana?

Posted by hadley hadley on Friday, July 1, 2016, In : Life Insurance FAQ's 
When you apply for a life insurance policy do they check to see if you smoke marijuana?

Yes, the application will ask if you smoke and what you smoke.

In addition, the blood or urine test you are required to provide a sample for may check to see if there is any THC / Marijuana in your system.

However, people who smoke marijuana can get insured for life insurance with or without a prescription, depending on where you live and the laws in your state, and the insurance company's guidelines.

Here's h...
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Does Life Insurance Test for Cancer?

Posted by hadley hadley on Sunday, August 16, 2015, In : Life Insurance FAQ's 
The insurance company may or may not check specifically for cancer; however, the application for life insurance coverage does have a question that asks about any cancer you have or have been diagnosed with in the past. The application and interview process will ask about cancer.

The life insurance company will also check with the MIB (Medical Information Bureau) and your doctors to find out if you have a history of cancer.

Do not lie on your life insurance application as your coverage may be de...
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Do life insurance companies test randomly for tobacco use?

Posted by hadley hadley on Saturday, August 24, 2013, In : Life Insurance FAQ's 

I have a life insurance policy for a non-smokers rate, and I like a good cigar every once in a while (I'm not a frequent everyday smoker). Should I be worried about having them come in and randomly test me for tobacco use?

No, there's nothing random about it. They test 100% of the time when you apply for life insurance.

However, Life insurance companies do not do "random" testing on policyholders. If you are approved for the non-smoker rate for life insurance, and then you ...


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