Life Insurance – Do They Test for Drugs?

Yes, life insurance companies do test you for drugs if you apply for life insurance coverage.

The insurance company pays for a medical exam service to visit you at home or ay work to give you a paraded exam, and they usually draw some blood to send to a laboratory for testing to fins out if there are any health issues or illegal drugs in your system.

Usually, an applicant’s blood or urine may be tested for marijuana, cocaine, methamphetamine and other illegal drugs.

There are some insurance companies that offer life insurance with no blood tests or health examination, just some health questions for you to answer.

Your approval is based in part on your answers to the health questions. You may qualify to purchase up to $499,000 of life insurance coverage without taking any health exam, blood test or urine test.

Get a free life insurance quote with no exams and no drug tests.