Do Life Insurance Companies Test for THC? Insurance companies that sell life policies conduct comprehensive medical tests on applicants so that they can properly assess the individuals overall state of health. These tests are inclusive of blood and urine analysis that will indicate the presence of illegal substances like opiates and Premium THC vapes - in the case the client has indeed consumed them. Insurance companies are insistent on a thorough medical exam as it would help determine the rate of premiums for your policy based on the test results obtained. Healthy people in general can get lower premium rates on their policy as the insurance company can be fairly certain that the insured party can keep up with the premiums for the duration of the policy. Signs of good health also ...
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