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Which Drug Test do Life Insurance Companies Use? Marijuana Life - No waiting periodcoverage you can affordapply onlineno credit required If you're concerned about a potential drug test, it's best to. During the life insurance medical exam, there is typically a drug test. You'll be declined for life insurance coverage if a blood or urine test indicates you use any illegal drugs, such as amphetamines or opiates. Life insurance companies test. You should also read this: Atas Practice Test Free