How do life insurance companies test you for marijuana?
Depending on your age, the amount of life insurance, and the insurance company, they may require a medical exam for your life insurance.
In addition, if you state on the application that you smoke, you may be tested for marijuana.
How do they test you for marijuana?
The insurance company uses a paramed exam service that visits you and may draw blood, a sample of urine, a saliva sample, or a hair follicle sample. Most often they may draw blood, get a urine sample or do a saliva swab.
The blood, urine or saliva sample is sent to a testing facility that tests the sample and sends the results to the insurance company.
The insurance company advises you of the results of all testing completed.
If you test positive for marijuana and you live in a location where marijuana is legal, and you have a legal prescription, the insurance company may insure you.
However, if the use of marijuana by you is not legal, they may decline to insure you for life insurance.
Here's how you can learn more about term life insurance drug tests and find out how you may qualify to buy up to $350,000 of life insurance with no drug testing and no medical exam.