It depends on the company and type of medication. Some don't test for anything and go entirely by your answers to the health questions and your medical records. Others will give you a full physical and test for everything.
But the only reason to buy the insurance is so they will pay the death claim to your beneficiary. If you omit things on your application you have committed insurance fraud. And you have put the policy at risk of not paying the claim at all.
Life insurance doesn't necessarily test urine for Xanax or other anxiety or depression drugs per say. However, life insurance requires the full disclosure of all prescriptions. If anxiety or depression was caused by life events (like divorce or a death), i.e. a major life set back that’s one thing, even a managed mild case of depression shouldn't be an obstacle to securing life insurance. Companies are looking for established long term use of psyche drugs and manic episodes for a declination.
Life insurance may test for benzodiazepines, by which the presence of Xanax would be detected. However, if you have a prescription for Xanax and do not take it more than ordered by your doctor, you should not have trouble getting life insurance simply based on the use of Xanax. If you are disabled due to anxiety, that could make it more difficult for you, but the presence of Xanax in your system would not be the cause for decline or higher rates.
Contact a good impaired risk life insurance agent to find a company that will give you fair rates with use of Xanax.
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But the only reason to buy the insurance is so they will pay the death claim to your beneficiary. If you omit things on your application you have committed insurance fraud. And you have put the policy at risk of not paying the claim at all.
Contact a good impaired risk life insurance agent to find a company that will give you fair rates with use of Xanax.