Depending on the insurance company, the type and amount of life insurance requested, you may be required to take a medical exam, blood and or urine test, 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, medical marijuana, illegal tobacco use, cannabis, nicotine, opiates, and amphetamines.
It depends on the type of policy, but generally for any medically underwritten life insurance policy, they will test you for illegal drugs.
If you test positive for any illegal drugs, you will likely be rejected.
Learn more about drug testing for life insurance.