Do Life Insurance Companies Test For Thc

When you apply for life insurance you will probably be expected to submit to a blood test to assess your overall health risk of diseases and drug use. Life insurance quotes for marijuana users from american general american general is an insurer that is long on term insurance selections and affordable life insurance quotes. Occasional marijuana use doesn t count as smoking at almost a third of life insurance companies that have guidelines about rates for pot users as long as they don t also use nicotine.

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Life insurance urine testing do test for thc more formally thc cooh which can stay in your system for anywhere from a few days to a few weeks so urine tests are a reliable way to test for marijuana use.

Do life insurance companies test for thc. Drug tests are pretty sophisticated these days and are good at sifting through the fakes for the information insurers really need. It is very important to know what drugs life insurance companies test for. When you are thinking about life insurance whether or not the medical test includes a drug screen and specifically a test for thc is a very real concern for people in many states. Understanding the medical exam.

The height and weight measurements during a life insurance medical exam are used to determine whether you re overweight according to standards set by the insurer. There are now four major insurance companies which don t test for thc. Yes since thc is the primary ingredient in marijuana that is responsible for getting you high. Four companies provide term life insurance without requiring you to take the paramedical exam.

This means your use of weed or marijuana can show up in a blood or urine test. Do life insurance companies test for thc. The first thing that you need to understand is how the insurance medical exam actually works. A blood test is required by the majority of life insurance companies because it paints a more accurate picture of your health than your medical records alone.

And there aren t any excuses for lying on or trying to cheat your life insurance drug test and application. Keep in mind that none of these are guaranteed to make you fail your life insurance drug test. April 17 2020 at 6 01 pm. In addition to marijuana insurance companies may test for other drugs like nicotine cocaine methamphetamine and others.

To discuss life insurance policies available in your area give a licensed life insurance agent a call at1 855 303 4640 this is an advertisement for life insurance. In most cases medical exam lab results will show the presence of at least 50 nanoliters of thc metabolites per milliliter of. The company offers traditional term products with. These companies will grant policies irrespective of a person s drug usage and without testing urine or blood for thc.

Life insurance medical exams are designed to assess your health confirm the information on your application and screen for illegal drug use.