In addition, the type of drug test administered may get varying results.
For instance, a blood test, saliva test, or urine test, may show drugs in your system for a shorter period of time, than a hair follicle test, which usually shows drugs in your system for a longer time frame.
The type of drug, frequency of use, amount taken, will all impact how long the drug stays in your system. However, some drugs are out of your system in less than 4 weeks.
There are some insurance companies that do not require a physical exam or drug testing. These plans are considered no exam life insurance, where you are asked some health questions and the answers will determine if you are approved for coverage.
Here's an article that explains more about term life insurance drug tests, what they look for, how they work, and what to expect when taking drug testing for your life insurance coverage.