Do Life Insurance Exams Test For Valium?

I have a fear of flying and my friend gave me a Valium to calm my nerves. No prescription and took just one. Exam in 2 days. Didn’t even think about when I took it.

  1. 21750 POINTS
    Jim Winkler
    CEO/Owner, Winkler Financial Group, Houston, Texas
    That is a great question! Your testing may or may not be affected. It depends upon several things. The valium dosege of the pill you took, your metabolism, and the length of time between ingestion and it passing through your system may make it possible that little or no traces are found. You have said that you have no prescription for it, so if it pops up, there may be an issue, so I'd strongly suggest that you tell the paramed what transpired, so there is no hint of dishonesty. Most of what they will test you for will have to do with your kidney, liver and heart functions, whether you smoke, and if there are narcotics in your system. Depending upon the company, and the amount of insurance you are applying for, they might be very strict, or they may not be. If you are applying for a very large amount of insurance, expect them to be. Again, just be honest with the paramed when they come to take your sample. They will make a note that will explain the trace amount should it flag. I hope that helps you, thanks for asking!
    Answered on June 11, 2015
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  2. 11783 POINTS
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    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    It is best to disclose this to the paramedical examiner if you are concerned. It may or may not show up on a lab. If it shows up, more forms and possibly a closer look because a drug showed up in your labs and you didn't mention it. It is far better to disclose something small like this to keep it small. Honestly, not a big deal as you've explained it. Just explain it the same way to the medical examiner and shouldn't be a problem.
    Answered on July 5, 2015
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  3. 10968 POINTS
    Tim Wilhoit
    Owner, Your Friend 4 Life, Brentwood TN
    I hope you made it through your paramed exam successfully. Under your explained circumstances, I believe it would have been a very remote chance of detecting one valium after a few days to calm your fear of flying. You should have metabolized it by then The use was no more than having an alcoholic beverage or two to calm your nerves. From your explanation, there does not seem to be an addition problem, which is what most underwriters are looking for. I am sure under these circumstances, all went well.
    Answered on August 23, 2015
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  4. 375 POINTS
    Matthew Schmidt
    Diabetes Life Insurance Solutions, USA
    This shouldn't be an issue at all. Simply let your agent/company know of these issues ahead of time. This can be done thru a cover letter, or if your insurance company requires medical records, this would be noted inside of them.

    Just be open and honest and you should fly thru underwriting
    Answered on October 24, 2017
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