However, typically the urine sample is collected so they can check the levels of other chemicals that your body produces to help them determine the relative health of your kidneys, liver, etc.
In addition, drinking alcohol the night before your life insurance urine test may alter these results to some extent, but generally they are not searching for THC.
If they do happen to catch it and somehow decide it will make you a high risk of dying younger than normal, they may reject you for life insurance coverage.
It is more likely that you will be rated lower (like a tobacco smoker). So the rate you pay for your life insurance will be higher than for someone who does not smoke. Here's how you can learn more about finding smoker affordable term life insurance protection.