Do Life Insurance Companies Drug Test?

  1. 0 POINTS
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    David RacichPRO
    Fountain Hills, Arizona
    If a blood and urine analysis is necessary to obtain coverage, then the Chem 24 exam results will display drug use. In addition, the medical part 2 of the application will also ask about drug use, including prescription medications. It is important to be straight forth and honest in your answers to these questions.
    Answered on May 9, 2013
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  2. 4330 POINTS
    Jerry Vanderzanden, CLU, ChFC
    Co-Founder, Coastal Financial Partners Group, California
    Yes, life insurance companies use blood profile and urinalysis results to underwrite applicants for life insurance. They also compare what is found to the responses to the life insurance application and, if ordered, the information doctors include in medical records. It is important to answer truthfully. Your life insurance professional can provide the underwriter with background information if necessary to explain your situation for the best possible result.
    Answered on May 9, 2013
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  3. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Yes, life insurance companies that require a paramed exam will drug test. If you purchase a nonmed policy that does not require an exam, no drug testing will be done. However, they usually ask about drug use on the application. The exception is fully guaranteed issue life insurance; they do not ask any health or risk questions.
    Answered on May 9, 2013
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  4. 145 POINTS
    Omar Sangurima
    It truly depends on the type of coverage you are seeking, as my colleagues above have attested to. If you are getting a policy that is guaranteed issue, then no...there will be no medical questions nor testing of any kind. However, you must realize that there are then some restrictions which come with this type of coverage, to mitigate the risk incurred by the insurance company entering into a life insurance contract without medically pre-screening the proposed insured. Lower bands of coverage, higher premiums built into quotes versus same age individuals WITH a paramed exam...etc. These are factors to look at and weigh if drug screening might be an issue. Some companies, however, still do issue policies but might rate them a bit higher if blood toxicology comes back positive for certain substances.
    Answered on May 9, 2013
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