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 marijuana use, and how often you sue these drugs.

If you test positive for the other drugs, you'll be declined by basically every life insurance company.

In addition, there are life insurance plans that offer coverage with no drug testing required. Learn more about life insurance drug tests and how you may qualify to purchase a life insurance policy with no health exam and no drug testing.