Does Life Insurance Blood Test For Drugs? 
Marijuana use is and has been prevalent in the United States for a very long time . It is the most widely used of all recreational drugs today , and is used by people of all walks of life . Its active chemical , commonly known as THC has been proven to help those with rheumatic diseases , ocular conditions or certain mental illnesses and is a known relaxant . Whatever your stance is on the use of illegal drugs , it is likely that at some time in your life you have encountered marijuana , and for many it remains a concern when applying for insurance . Does the use of Marijuana make me ineligible for life insurance ? If you use marijuana , you may be a little concerned about taking the required exam to get term life insurance fearing that if marijuana use is detected , you may be ineligible for coverage . Fear not . Marijuana use , by itself is not something that will make you ineligible , but it is something that is tested for . Of course , the results of the test may come back negative , but the questionnaire will probably also ask whether you have used any illegal drugs in the past five years . If the answer is yes , again , you should be able to qualify for life insurance . If marijuana shows up in your blood test , the chances that you will be able to qualify for the most desirable rating class are somewhat diminished , and if they show up not all at -LRB- but you answer yes to the question about marijuana use -RRB- your chances are diminished somewhat . Will I get a smokers rate if I use or have used marijuana ? Each life insurance company follows different guidelines , but generally , you will not be charged smokers rates for life insurance if you have used or are currently using marijuana . If my life insurance blood tests positive for marijuana use , will this information be reported to law enforcement or the government in any way ? No . By law , your medical records are protected . The report will go to the MIB , but you give your consent to this when you fill out the life insurance application . The MIB stands for Medical Information Bureau , and it is a non-governmental agency which provides services to health and life insurance companies across the U.S. . The information submitted to the MIB is not accessible to the government . Is there any way to get life insurance without taking a blood test ? Yes ! There is something called No-Exam life insurance which does not require an exam of any kind . Depending on the amount applied for and whether they require a blood test for that amount they will . The question about drugs is always on the application regardless of amount so if you were to answer honestly -LRB- suggested -RRB- they would know . In some cases you are simply rated as a smoker . Other companies may decline you . I suggest you work with a broker who knows what to look for in a company . 