Does Life Insurance Test for Marijuana?

When you apply for a life insurance policy you may be required to take a health exam which is paid for by the life insurance company.

The exam may consist of checking your height and weight, your blood pressure, and asking you some health questions. In addition, they may take a blood sample to send to a laboratory for testing.

Testing of your blood may check for any health issues including HIV/AIDs, diabetes, high cholesterol, cancer, high protein levels, STD's, and use of any prescription and/or illegal drugs including marijuana, cocaine and methamphetamine, to name a few.

However, if you have a prescription for your marijuana or live in a state where use of marijuana is legal, there may not be an issue of whether or not you use marijuana.

In addition, there are life insurance companies that offer life insurance without any health exams, blood tests or marijuana testing. Learn more about life insurance drug tests

Does Life Insurance Test for Marijuana?

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