Well, I pissed into the cup, and they drew some blood as well. I did find out that the urine is to check for "drugs," whatever that means. (Do they check for cannabis metabolites? I didn't ask such a direct question.)

I diluted like hell for the past two days, and haven't smoked in nearly four. I know that this is just for a life insurance policy, but the dirty little secret is that I am a financial advisor (and a damn good one), and I primarily do my insurance business with Union Central, from whom I bought a policy ($100K Whole Life) on myself. I'd really rather they not know that I toke up on occasion. They could revoke my appointment with them (meaning my ability to sell their products).

Thanks for all the advice.

Hell, while I'm here, if anyone needs individual or small business financial services, I'm your dude. :-) We can look over some financial business, then toke up.
Universer Reviewed by Universer on . Importance of Testing Well for Life Insurance Policy? Hi, I have purchased a Whole Life insurance policy, and as a part of the purchase, I need to submit blood and urine samples, just to check on my general health. I'm an occasional smoker, though over the past couple of months I've been as heavy as I've ever been -- smoking usually for an hour or two every second or third evening. However, today is Tuesday, and my exam is scheduled for Thursday, and I haven't smoked since Sunday. (I've also been diluting a bit -- that has worked for me in Rating: 5