Will they piss test if purchasing life insurance policy?

[simple green]

Anyone with any knowledge if they'd check for thc when you're buying a life insurance policy?

 

[Weird]

yes they do


and yes i tooka drink and passed every time

 

[krunchbubble]

they didn't test me, just got life insurance 3 weeks ago.....

 

[WelderDan]

I've never heard of it, but a physical is probably in your future, If you're over 40 anyway. You can take out a life insurance policy on someone else, and as far as I know, they don't test the insured.

 

[dagnabit]

no test for me or wifey...
it may differ from state to state

 

[TrichyTrichy]

question: if they don't check up front but if something were to happen would they or do they have the right to check?

 

[RoachClip]

You won't have to take any piss test or physicals if your purchasing life Insurance as these days you can apply right on the computer and answer their questioner and they have certain protocols if your between ages ( smaple ) and next what medications do you take or in the last so many years etc etc...

I have had the same policy since my madre & padre had before they had me take over mines and I have had it now for many years and even with renewing my policy they always send me a reminder and I sign on and enter my Info and password to gain access to my policy and answer the questions no piss test requested.

Thier are hundreds of Insurance companies out their that are Legit and more then 90% do not request piss test...

* Only time I ever had to take a UA was when I broke my toes when an I Beam rolled off the fork lift and bent the steel toe protection in my red wing boots I was wearing and when at the emergency room at the hospital I was asked to take a Urine Sample.

 

[geopolitical]

Depends on the company. Most won't. If one does, pick another one.

 

[Stoner4Life]

the only test that they do usually is a 'smokers swab' to tell if you smoke tobacco. they'll swab the inside of your cheek w/a Q-Tip and send it off to a lab, if they find tobacco residues you'll get your insurance but at a different rate.

 

[BlueBlazer]

the only test that they do usually is a 'smokers swab' to tell if you smoke tobacco. they'll swab the inside of your cheek w/a Q-Tip and send it off to a lab, if they find tobacco residues you'll get your insurance but at a different rate.

That's no lie. I just told them I was a cigarette smoker up front. No need to swab, just hike up the premiums.

Oh, and I've never had to take a urinalysis for insurance.

 

[daheadies]

question: if they don't check up front but if something were to happen would they or do they have the right to check?

The only situation where this would happen is to see if the insured persons death was caused by drugs..
They might/prob do have the ability to check for that, but at that point, your not "submitting" to any drugtests

And to agree w/ everyone except weird, NO, they dont test for life insurance.

 

[TickleMyBalls]

my mom was looking into getting some for me, i filled out all of the forms, she went through the questionaire asking about drug use history. and when she went to turn it in they said I'd had have to pass a UA, so we just didn't get the insurance. I'm young and single anyway though, so life insurance isn't necessary right now really.

 

[daheadies]

Thats odd Ive never heard of that..