Does Life Insurance Drug Test?

1. 

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   Steve Savant

   Syndicated Financial Columnist, Host of the weekly talk show Steve Savant's Money, the Name of the Game, Scottsdale Arizona

   Fully underwritten life insurance generally requires a para-med that include blood and urine testing. The analysis collects several data points and assessing the ranges: below normal, normal and above normal. During the discovery process nicotine and other drugs in the system can be detected. Those results are forwarded on to the insurance company for an underwriting decision.

   Answered on September 12, 2013

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2. 

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   Peggy Mace

   Most of the U.S.

   If you are buying a life insurance policy that requires medical underwriting, it will test for certain illegal drugs, especially cocaine and marijuana. If you are purchasing a policy that not require an exam, no drug tests will be done. However, then the application will ask if you have taken illegal drugs withing a certain period of time.

   Answered on September 12, 2013

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