Once you have completed the application for coverage, the insurance company contacts a paramed examiner that will contact you to set up an appointment for your medical exam.
The medical exam may take place at your home, or place of work.
The exam may include taking a sample of your blood and/or urine to be sent to a laboratory for testing.
Yes, they will test it for evidence of nicotine, tobacco and THC (cannabis).
On the application there is a question about any use of tobacco or marijuana.
Make sure you answer the questions truthfully on the application.
Here's how you can apply for a term life insurance policy online.