Have an insurance blood/urine test in 4 days...

hello all! This is my first post so don't be too HARSH ;). So here is my deal...

I'm 33, 5'10 165 and ~20% body fat. I've been a daily smoker for 15 years, and never taken a drug test. So anyway last week my wife signed us up for life insurance so I knew the inevitable drug test was impending. I have only smoked one day in the last week (but it was a guy's night out and we hit probably 7 or 8 bowls of some KB). So anyway, this morning I got a call from the insurance examiner and she wants to know when we can meet with her this week, so I tell her friday. Now, I know it is both blood and urine. From what I've read here herb is only detectable in blood for 3-5 days, so I should be good to go on that hopefully. But the urine worries me. I assume substitution is the best way to go. I guess my question is...anybody have experience with dealing directly with insurance tests? The examiner is coming to our business we own, I will not be going to a testing facility. Any tips or advice for my situation? Sorry to be so long winded...kinda wigged out about it though! Thanks to any and all help!

They should not be testing for drugs, they'll just be looking for hrealth problems. WHich is what QuickFix was originally designed for. I would sub with synthetic so they don't find some pre-exiating condition that thye don't want to cover.

That's an angle I considered also, but wouldn't they find pre-existing med conditions in blood (if they're there) anyway? I really don't know if they will test for drugs, have heard they do on policies over 250k, which mine is well above.