What Type Of Drug Test Is Used For Life Insurance?

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   David RacichPRO

   Fountain Hills, Arizona

   Drug testing has been going on for the last 25 years for jobs, volunteers in prison and for life insurance. Life insurance companies routinely test for drug use by urine analysis. Two specimens per 1,000 test positive for cocaine.
    

   Answered on July 17, 2013

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   Peggy Mace

   Most of the U.S.

   With the blood test, the insurance company checks for nicotine use. With urinalysis they may look for cannabinoids (marijuana), cocaine, amphetamines (meth, speed), opiates (heroin, codeine, morphine), and phencyclidine (PCP). Not all use the same tests. Some use the testing of salvia to test of drugs, and No Exam policies do not do any drug testing.

   Answered on July 17, 2013

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