Does Guardian Life Insurance Drug Test? 
Guardian life will test for Nicotine and Cocaine . These are the two most common substance tests that almost all insurers test for when they perform medical underwriting . Besides these two substances , most carriers -LRB- Guardian included -RRB- , do not test for other substances , i.e. drugs . If there are other drugs that you currently use and you do not disclose , you do run the risk of creating a contested life insurance policy if you should die within the contestability period . 