When you apply for a life insurance policy you are usually asked about your health and any drug use, including legal and illegal drugs.
Depending on the insurance carrier, type and amount of life insurance, you may be required to take a physical examination, blood and urine tests – which will check your system for any prescription drugs or illegal substances.
Life insurance drug tests may check you for illegal substances including but not limited to marijuana, cocaine, methamphetamine, heroine, cannabis, nicotine, illegal tobacco use medical marijuana, opiates, and amphetamines.
It depends on the type of life insurance, policy but generally for any medically underwritten policy they will test you for illegal drugs. All of them. If you test positive for any of them, you will be rejected and the information will be sent to the M.I.B.
The MIB (Medical Information Bureau (www.mib.com) will mark their database that you're an illegal drug user, so any other life or health insurance company who wants to write a policy will be alerted.
Learn more about drug testing for life insurance and find out how you may qualify for a life insurance plan with no drug testing required.