If you are buying a life insurance policy the insurance company may require that you take a medical exam. The life insurance exam is paid for by the insurance company.

The exam may take a sample of your blood and/or urine to test it for drugs. The drug testing may check for any legal and illegal drugs in your system. 

Each life insurance company may have their own set of guidelines of what to test for and what positive test results in a decline for coverage. Some of the drugs that may be tested for life insurance include THC, cocaine, methamphetamine and other illegal drugs.

In addition, there are some life insurance companies that offer no exam life insurance plans with no drug testing. Learn more about life insurance drug tests.