1. Peggy Mace
    COO and Senior Agent, Outlook Life, All 50 States
    Some life insurance companies have been increasing their drug screening to the Drug 5 Panel/Drug 8 Panel in response to the increasing use of illegal drugs. The 5 panel drug test detects cocaine, PCP, marijuana, opiates, and meth/amphetamines. They also test for nicotine/cotinine and alcohol. No Exam policies do not conduct blood or urine tests.
    Answered on June 30, 2013
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