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Depending on the amount applied for and whether they require a blood test for that amount they will. The question about drugs is always on the application regardless of amount so if you were to answer honestly (suggested) they would know. In some cases you are simply rated as a smoker. Other companies may decline you. I suggest you work with a broker who knows what to look for in a company.
Wiki User
∙ 15y ago
Wiki User
∙ 10y agoNot generally, they give a UA for this. The blood test is primarily looking into potential disease and high risk for illnesses. That being said, THC lasts in the blood a very short time, so get some synthetic urine and lay off for 2-3 days and you should be just fine. As a former agent, I have had numerous clients obtain policies using this method, not exactly rocket science.
Wiki User
∙ 13y agoNo. When you get your blood taken for the policy, they generally do not test for marijuana. You can also get a simplified issue policy that does no blood test. It will just be more expensive.
Traditional life insurance is available with a number of life insurance companies. There is even a company that will offer you non-tobacco rates for occasional marijuana use. When they do test for it, it is picked up in urine sample.
Wiki User
∙ 13y agoYes, at least a legal public insurance company would be required to.
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Do health insurance companies test for marijuana?
Yes
How does the test affect life insurance?
My brother didn't get life insurance because the test revealed he had cancer. After a bone marrow transplant, he is Ok now. But the Physical test determines the insurance companies portion of the bet on your life.
You are 76 YEARS Old can you get life insurance?
A number of life insurance companies will offer life insurance coverage up until the age of 90, depending on which state the life insurance policy will be issued. Some things to note about older age underwriting: Each life insurance company has its own set of underwriting guidelines, some are more strict than others. It is critical to understand the underwriting requirements BEFORE you apply for life insurance. Examples for Age 76: Some companies will require a treadmill stress test for age 76, while other life insurance companies will require a simple resting Electrocardiagram. Some life insurance companies now test prosposed insureds for dementia by having the insured complete a "clock drawing test" or "word recall test"...Other companies won't test you for any of these. Some companies will require an insurance exam performed by an MD, while other companies will accept a simple paramed exam performed by an examiner. Any competent life insurance agent should be able to tell you the requirements before you apply for life insurance so you can decide beforehand if you want to apply to certain companies.
Will marijuana show up on insurance tobacco test?
No...but if they're testing for tobacco, they probably also test for marijuana.
Will insurance companies cover the cost of a paternity test?
The insurance companies will not cover the cost of a paternity test. The reason why is that it is an elective test so you will have to pay it out of your pocket.
Do insurance companies test for drugs?
Yes.
When applying for health insurance does the blood test include marijuana testing?
Yes
Do insurance companies test for pregnancy in their medical?
yes
What drugs do most companies test for?
NORMALLY MARIJUANA AND COCAINE. UNLESS YOUR IN THE MEDICAL FIELD THEN THEY TEST FOR EVERYTHING. BUT MARIJUANA IS THE ONLY DRUG THAT IS IN YOUR SYSTEM AFTER A WEEK OR MAYBE LESS.
Do life insurance companies test for marijuanna?
Yes but most view it the same as tobbacco users so its not going to affect whether or not you can get it. I have many clients who toke!
Do met life life insurance companies test for HIV?
I believe they cant not test for hiv because its against the law . Answer is No This answer is not correct. The do test for HIV and most likely will not offer any type of life insurance if you test positive. There is not law prohibiting them from testing. For full disclosure, I own and operate a small Independent Insurance Agency in Gordon, Georgia and have for 22 years. I also worked as an agent for a direct writer for 3 years before that.
When denied for life insurance for drug test what can i do?
Well - sounds like you failed your drug test!! -- Only thing to do is Get off Street Drugs and try a different Life Insurance company or If drug test failure was from prescription drugs - get your physican to write a letter about the results of the drug test being the product of his treatment of your health issues. The above info is not the way to handle failed drugs and life insurance for a number of reasons. When you apply for life insurance, the majority of life insurance companies use the MIB - Medical Information Bureau service. When you apply to a company, the MIB system gets coded so that other companies will know you have an application pending somewhere else. If you get declined for drug use, the system is coded to put up a red flag. Any life insurance company you go to will know you previously applied and were denied. If your decline was due to marijuana, there are a few companies that will consider you for coverage. If decline was due to something such as cocaine, meth, opiates, etc.. you are going to have a hard time getting coverage until you can show some formal treatment records...rehab, AA, doctor treatment, etc.
