Drug Testing In Life Underwriting

As most producers know, life insurers screen for one drug of abuse routinely. That drug, of course, is cocaine, and the industry has been testing for it in both urine and oral fluid for many years.

However, cocaine is not the only abused substance that has attracted underwriters’ attention. While nearly all carriers include cocaine testing in their urine profiles, both marijuana and methamphetamine are also under “surveillance” on some basis by certain insurers.

http://www.lifeandhealthinsurancenews.com/Issues/2010/April-5-2010/Pages...