Does life insurance test for drugs?

In order to prevent unhealthy individuals from signing up for life insurance under false pretenses (those pretenses being their assumed good health and non-smoker/non-drug user status), a life insurance company may have you undergo a series of tests to determine your health. These tests are conducted by licensed medical professionals employed by the insurance company and can’t be done by your own doctor.

Depending on your age and the amount of insurance coverage you’re signing up for, you may have to undergo more strenuous tests than someone taking out a smaller insurance policy for herself. In either case, blood work is frequently taken and screened for signs of illegal drugs in your system.

To find out what tests you may be required to undergo, contact a representative of your life insurance company and ask about their health testing requirements.

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