Yes, drug testing is a standard part of buying a life insurance plan.
The life insurance company usually requires applicants to go through a medical examination, which includes a paramed examiner visiting your home to check your health and take a sample of your blood or urine which is sent to a medical laboratory for testing which includes tests for illegal drugs.
The paramed exam is paid for by the life insurance company.
The insurer uses the test results to help them decide if you qualify for life insurance, and if they will insure you.
If illegal drugs are found in your blood or urine, you would likely be turned down.
There are life insurance policies available with no health exam and no drug testing required.
Learn more about life insurance drug testing and how it works.