Yes, ING Life Companies will test for drugs in the presence of blood or urine in order to issue a life insurance policy. The only way to avoid such testing is to get such a small face amount that no blood or urine test is needed, or to apply for a No Exam life insurance policy that does not do those tests. Even then, they will normally ask about illegal drug use on the application.
With some companies, the presence of marijuana in drug tests will not affect the rate too much. If the test shows signs of cocaine, meth or other illegal substances, then the policy would most likely be declined.
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With some companies, the presence of marijuana in drug tests will not affect the rate too much. If the test shows signs of cocaine, meth or other illegal substances, then the policy would most likely be declined.