If a 38 yr old male applies for a 200,000 life and is scheduled to take a urine test, what will they be looking for? Would marajuana use cause the applicant to fail?

 

  • lambspew 2:04 pm on December 5, 2009

    When you submit an application for a life insurance policy and take the medical exam they will look for anything that will increase their risk of insuring you (anything that is more likely to force a payment sooner rather than later). Examples would be; Ulcers, potential heart conditions, high cholesterol, high blood pressure, and evidence of an unhealthy lifestyle.

    They will be looking for illegal and controlled substances, however this can also be done (and is usually more accurate) by taking a hair sample (even if you shave your head the hair can be taken from other parts of your body). The presence of an illegal substance in your body is grounds for a rejection of the application… even so, it is never smart to use drugs.

    In addition to illegal substances they will screen your urine for alcohol, sodium, caffeine, and a number of other substances that will "increase the risk". One of the biggest factors that has effected my clients in the past is the presence of Cotinine in their system. Cotinine is a chemical that is produced when nicotine is present in a persons body, if cotinine is found during the medical expect to get put on smoker (read as more expensive) rates.

    Before going to a life insurance medical stay away from any negative substances (and by this i mean coffee, tobacco, etc.) for, at minimum, one week. Cotinine can stay in your system for up to 6 months, so if you said you didn’t smoke it might be wise to revise your warranty.

    Generally testing positive for any of the above will get your application rejected. Drug use is usually an automatic rejection.

    Hope that helps

  • M1759 2:04 pm on December 5, 2009

    They will look for anything and everything. The reason for testing you is to mitigate the risk associated with issuing your policy. If you have marijuana in your system, the insurer will most likely reject you due to the potential of other and riskier drug use, which in turn increases the possibility of reduced life expectancy, which in turn decreases the profitability of issuing a policy to you.

    • People are reading:

    blood and urinalysis for life insurance, what drugs does nwmi life insurance test for, do they test for drugs when buying life insurance, do life insurance companys hair test for diazapam, do insurance companies test for marijana?, what does statefarm test for life insurance, what drug test does state farm use, what drugs are tested for in blood and urine tests for life insurance, what drugs do insurance companies check for, what does unum life insurance test for, what drugs to life insurance companies test, what health tests are used for life insurance policy questions, what kind of blood tests are done for life insurance?, what level of drug use does it take to deny life insurance, whats checked on lab exam for life insurance, what do they look for in life insurance urinalysis, urinalysis and cotinine, do state farm life insurance policy physicals include drug testing, does state farm drug test, does state farm piss test you for life insurance?, does wfg test for drugs when you get a life policy, farmers life insurance drug testing, hair samples for life insurace, life insurance and drug testing, life insurance do they test for drugs, life insurance urinalysis, unum life insurance lab tests, unum life insurance urine test, will allstate reject life insurance if test positive for weed