Yes, life insurance companies do test if you smoke marijuana.
They usually require you to take a medical exam (which they pay for) when you apply for a life insurance policy.
However, there are some life insurance plans that do not require a medical exam.
When you take your medical exam they may also require a blood draw and/or a urine sample which they send to a lab for testing.
Usually, your blood or urine are tested for illegal drugs, STD's, diabetes, high cholesterol, AIDS/HIV, etc.
If marijuana is detected in your blood or urine the insurance company may adjust your rate or decline you for coverage, depending on their position for accepting marijuana smokers.
In addition, it may depend on whether or not you have a medicinal marijuana prescription, and if you live in a jurisdiction where marijuana is legal or not.
Learn more about life insurance for marijuana smokers
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