Depending on the insurer, type and amount of life insurance requested, you may be required to take a physical exam, blood and urine tests – which will check your system for any prescription or illegal substances.
Life insurance drug tests may check you for any illegal substances including but not limited to marijuana, cocaine, methamphetamine, heroine, medical marijuana, cannabis, nicotine, illegal tobacco use, opiates, and amphetamines.
It depends on the type of 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 company who wants to write a policy will be alerted.
Learn more about Why do life insurance companies test for drugs?