Does life insurance test for drugs

Life Insurance Drug Test: What is it for? During the medical exam portion of a life insurance application, you will have to take a life insurance test. Typically, the test is performed after you have given both a blood draw and a urine sample. Depending on the results of your life insurance test, you may end up paying more for coverage.

But all consider the frequency with which you use drugs and the type of substance when deciding how to treat your life insurance application. Drugs That Life Insurance Companies Must Test For. Life insurance companies test for many different kinds of prescription and illegal narcotics during the insurance exam, including: Amphetamine; Barbiturates

Life insurance companies do not allow current drug abusers to purchase life insurance. If you test positive for drugs such as cocaine and heroin, it will mean an automatic decline. To guarantee that there no false positives on your test, check out our guide on how to prepare for the life insurance drug test.

Passing the Insurance Drug Test . The life insurance industry has changed regarding marijuana The urinalysis test and lab work for life insurance hasn t changed. As a result most applications require labs that are subject to a drug test. Other drug use can be a major reason to decline or rate an applicant.

Initial Screening: During the life insurance medical exam, you will undergo a urinalysis test for life insurance and possibly a blood test for life insurance to check for nicotine and other markers. Detection : Tests like the Nicotine tests by insurance companies can detect nicotine and its byproducts.

When you take the life insurance exam, they take blood an urine samples. We listed everything the life insurance drug test looks for, and how to pass it.

Insurance companies have the right to require drug tests for health and life insurance policies, but it is relatively uncommon to be requested.

Misuse of drugs can lead to physical and cognitive issues, or worse. Because of that, insurance companies will usually test for drug use and misuse when underwriting an applicant for coverage. Life Insurance Underwriting and Drugs. Yes, life insurance companies do test for drugs.

Insurance companies have the right to require drug tests for health and life insurance policies, but it is relatively uncommon to be requested.