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Author: Admin | 2025-04-28
The life insurance drug test varies somewhat between companies. For the most part they all test for the same things. Although there are a couple variations on methods. We broke down the different substances into categories. Each category has what it is, what it does, what happens if they find it, and how to pass the life insurance drug test.Don’t lie on your application! If you get caught, you have serious problems to deal with.Important! Don’t lie on your insurance application. Don’t lie to your medical examiner. That’s insurance fraud. If you die and the insurance company can prove that you committed fraud, your beneficiaries won’t get paid. At all. If you don’t die and get caught, no other insurance company will touch you. Ever.We recommend that you stop using any of the following for at least a year before applying for life insurance. With the exception of caffeine, marijuana, and nicotine. Then just make healthy, responsible life choices.A year is the magic number in most forms of insurance. If you maintain a habit (or lack of habit) for a year, the insurance companies tend not to worry about it. Sometimes the application will ask about any use in the past 3 years. So consider yourself forewarned.Types of Life Insurance Drug TestingThere are three main types of drug tests for life insurance. The medical examiner will take samples of your blood and urine every time. The hair follicle test is up to the discretion of the insurance company you are
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