Does USAA Drug Test For Life Insurance? 
Yes , any life insurance company that requires a blood test , urine test , or oral swab in order to get a life insurance policy will test for the presence of illegal drugs and cotinine -LRB- an indicator of cigarette use -RRB- . This is called a medically underwritten policy . If using a No Exam policy , they do not require an exam and do not test for drugs , although they will usually ask about drug use on the application . 