Drug Testing
drug test

Which Drug Test do Life Insurance Companies Use?

If you are looking for the most affordable rates on Life Insurance, you’ll need to apply with a life insurer who will fully underwrite your application. When an insurer is allowed to fully underwrite the applicant, they will get a crystal clear picture of the risk they are accepting and therefore offer rates that adequately…
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insurance test for THC

Will Life Insurance Test for THC

Although state after state has legalized some form of marijuana use, according to the Federal Government, it is still an illegal substance. The difference between federal laws and state laws has created significant concerns for people who use marijuana either medicinally or recreationally. If you use marijuana and are considering purchasing life insurance, it’s very…
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drug test

Do Life Insurance Companies Drug Test Applicants?

Life insurers that offer the lowest rates are able to do so because they completely underwrite their applicants using a medical exam and drug test. Simply put, the more information an insurer has about you, the better they can determine the risk they are taking and offer you low-cost life insurance. It should be understandable…
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