How Do Life Insurance Companies Test For Drugs? 
The exact tests that are required for an exam a person will take will depend on several factors - their age , the amount of coverage they 're applying for , and the carrier they 're applying to . Each carrier has their own underwriting guidelines so some may have different exam requirements than others . For middle aged individuals , you will most commonly see an exam consist of 3 parts : 1 -RRB- Paramedical exam - checking your height/weight , your pulse , and going through the medical questions 2 -RRB- Blood Test 3 -RRB- Urine Test The urine test is the primary method for testing for drugs . Markers in the blood can also show evidence of drug use . One recommendation is know which carrier and which of their programs you are going to apply for . You do n't want to take an exam before completing the application process because if you apply to another carrier than you may have originally intended , you may have to complete extra testing because that 2nd carrier may have more markers they check for -LRB- therefore extra exam requirements/tests -RRB- than the other carrier . Ideally , you want to have everything in order and make sure it 's right so you only have to do it once . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much . 