Does USAA Drug Test For Life Insurance?

1. 

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   Peggy Mace

   Most of the U.S.

   Yes, any life insurance company that requires a blood test, urine test, or oral swab in order to get a life insurance policy will test for the presence of illegal drugs and cotinine (an indicator of cigarette use). This is called a medically underwritten policy. If using a No Exam policy, they do not require an exam and do not test for drugs, although they will usually ask about drug use on the application.

   Answered on May 3, 2013

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2. 

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   Chris Abrams

   Founder, Abrams Insurance Solutions, Inc., San Diego, CA

   Yes, all carriers require a urine and blood test when applying for life insurance.  The lab results are reviewed to check for drug use along with other tests such as cholesterol, blood sugar, liver enzymes, etc.  There are guaranteed issue or simplified issue policies that may not require blood or urine samples, but there are questions asked about drug use on the application that must be answered.

   Answered on May 6, 2013

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