Help protect your family’s future. Enter your zip code to get your free quote today!

Get Your Free Quote

Does Life Insurance Test For THC?

With marijuana legalization passing in more and more states, the issue of being tested for THC can be a real concern for those applying for life insurance. One of the main steps in the process of applying for life insurance is undergoing a medical exam, which includes taking urine and blood samples. These samples may test for legal and illegal drugs, including THC.

Will Marijuana Use Affect My Life Insurance Coverage?

Life insurance companies take a lot of things into consideration when determining policy premiums, including occupation, weight, overall health and lifestyle. Many insurance companies charge higher premiums for cigarette and marijuana smokers or deny them coverage altogether. In fact, 80 percent of underwriters surveyed by Munich Re said their company factors marijuana use into pricing decisions. 

However, many companies also factor frequency of marijuana use into their decision making. For instance, someone who smokes marijuana a few times a year will likely pay less for their policy than someone who smokes a few times a week.

Be Honest During the Life Insurance Application Process

Tell your insurance agent about your marijuana use and be upfront about how often you consume marijuana, whether for recreational or medical purposes. THC usually stays in your system for a month. But if an insurance company finds out you lied about your use, they can deny you coverage or refuse to pay the death benefit if you pass away unexpectedly.

Even if you live in a state where marijuana is permitted, still inform your insurance agent about your use.

What Else is Tested for On the Medical Exam?

Most life insurance companies like to have a comprehensive understanding of your health and lifestyle before they’ll grant you a policy. In addition to blood and urine samples — which can uncover underlying health problems — your medical examiner will also determine your height and weight, as well as test your pulse and blood pressure. You'll also be asked a series of health questions.

In addition to marijuana, insurance companies may test for other drugs, like nicotine, cocaine, methamphetamine and others.

To get a quote for life insurance policies available in your area, give a licensed agent a call at 800-966-7169.

----------
Sources:


PBS: http://www.pbs.org/newshour/rundown/heres-how-smoking-marijuana-might-affect-your-life-insurance/
Fox Business: http://www.foxbusiness.com/features/2011/06/27/why-life-insurance-companies-love-blood-and-urine.html

*Applications for insurance may be subject to acceptance by insurer. Rates and coverage amounts will depend upon the carrier selected.

Help protect your family’s future. Enter your zip code to get your free quote today!

Get Your Free Quote

Related Information

Medical Exams and Life Insurance

Some life insurance policies require a medical exam before approval. This may include a physical exam, blood test, urinalysis and more.

Read More

Life Insurance Medical Exams and Blood Testing

Some life insurance providers do routine blood tests to check for health-related issues. Find out more at Lifeinsurance.org

Read More

Life Insurance Overview

This life insurance overview will help you better understand your life insurance coverage. If you're looking for a policy, a licensed agent can help.

Read More

What to Know About Ohio Life Insurance

Find out what you can expect when buying a life insurance policy in Ohio.

Read More

Difference Between Life Insurance Death Benefit and Annuity

A life insurance policy and an annuity pay death benefits differently. A life insurance death benefit is usually not taxable, while an annuity benefit is.

Read More

Term Life Insurance – Affordable Security

Term life insurance is generally more affordable than permanent life insurance. Here's what you need to know about term life insurance policies and how they work.

Read More

Life Insurance Companies

Finding the right life insurance company can help you choose a plan that meets your needs and your budget.

Read More

How do You Get Payouts for Life Insurance?

How does term life insurance payout? Learn how to claim your financial benefits from a life insurance company.

Read More

What is Life Insurance? The Basics

What is life insurance and how does it help families in the event of your death? It can help pay for the cost of funeral expenses, lost wages, debts, and more.

Read More