Most life insurance companies that are selling fully underwritten plans use a service called paramedical companies. They send out a nurse to record your health history and collect vital signs and samples. The nurse will take height, weight, blood pressure, blood and urine samples. In older clients or higher face amounts they will collect an EKG.
The blood and urine are tested for common diseases but also drugs including nicotine, prescriptions and illegal drugs such as THC, amphetamines, depressants, cocaine, heroine and hallucinogens. In other words underwriters are very through. The prescription drugs are compared to medical records to check for abuse as well.
President, Lane Independent Agency, Southern California
Life Insurance companies must do a blood test for any amount over around $25,000, although some groups allow up to $150,000. The tests are to detect both legal and illegal drugs. If you are taking medications and do not disclose that, they will be found. This helps the carrier determine what your general state of health is. So assume that whatever the drug is you may be taking, it will be detected by the test. Even a week after you have taken that drug. Thank you. GARY LANE.
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The blood and urine are tested for common diseases but also drugs including nicotine, prescriptions and illegal drugs such as THC, amphetamines, depressants, cocaine, heroine and hallucinogens. In other words underwriters are very through. The prescription drugs are compared to medical records to check for abuse as well.