Does Life Insurance Test for Drugs?

When you buy a life insurance policy do they make you take a drug test?

That depends on your age, health, the life insurance company and their guidelines, and the amount of life insurance you want to buy.

However, it is a standard requirement from most life insurance carriers.

The drug testing may check for legal prescription drugs in your system; as well as, illegal drugs which may include marijuana, methamphetamine and cocaine, among others.

If your testing was positive for illegal drugs you may be declined for life insurance coverage.

If it was positives for prescription drugs you denied taking, you may be required to pay a higher rate if you chose to purchase the life insurance coverage.

However, there are companies that offer life insurance with no drug testing required. Learn more about life insurance drug tests and your options for life insurance coverage.