Do Life Insurance Companies Drug Test? 
It truly depends on the type of coverage you are seeking , as my colleagues above have attested to . If you are getting a policy that is guaranteed issue , then no ... there will be no medical questions nor testing of any kind . However , you must realize that there are then some restrictions which come with this type of coverage , to mitigate the risk incurred by the insurance company entering into a life insurance contract without medically pre-screening the proposed insured . Lower bands of coverage , higher premiums built into quotes versus same age individuals WITH a paramed exam ... etc. . These are factors to look at and weigh if drug screening might be an issue . Some companies , however , still do issue policies but might rate them a bit higher if blood toxicology comes back positive for certain substances . 