Does Life Insurance Test For Pot? 
Life insurance companies do test for THC , the chemical in the blood that is deposited after smoking or ingesting pot . If they find THC in the blood , they will ask you to fill out a drug questionnaire , and from there decide how to rate you . With some companies , infrequent marijuana use does not affect your rates much at all . If you are taking a policy that does not require an exam -LRB- called nonmed or no exam policies -RRB- they will not test for pot . They do usually ask about drug use on the application . 