Do You Need a Drug Test for Life Insurance?

Life Insurance

If you are looking for life insurance, be aware that a life insurance company may test for marijuana and other drugs. Depending on the company, however, testing positive may not preclude you from coverage. Here is what you need to know.

Tests

Your blood and urine will be tested as part of the medical exam required with your insurance application. A nurse will withdraw a small amount of blood from a vein in the arm, and also ask you to provide a urine sample in a cup. You will be asked to empty your pockets and are not allowed to take anything in the bathroom with you when giving the sample.

DrugsĀ 

Tests are performed to determine whether you have any of the following drugs in your system:

Methamphetamine

Methadone

Cocaine

Marijuana

Opiates

Nicotine

Phencyclidine

Barbiturates

Benzodiazepines

Results

If you test positive for illegal drugs, then you most likely will be disqualified from coverage. However, if you were honest in your application about using nicotine or marijuana, the agent will take these facts into consideration. Some companies give marijuana users the same rate as cigarette smokers, whereas others base it on the frequency of use.

Don’t automatically assume that smoking cigarettes or marijuana disqualifies you from life insurance. Ask your agent what his or her company can do for you.

Frank