Back in February, my spouse and I applied for life insurance after returning from a trip to Amsterdam. Being in our early 30s, we were new to the process and didn’t realize how thorough the testing would be.
A smaller insurance company asked us to schedule an at-home medical exam. During the exam, they took our vitals, blood, and urine. I got worried because I had taken edibles in Amsterdam, and our agent hadn’t mentioned anything about drug testing.
I tested positive for cannabis and was asked to sign a form about my cannabis use. Unlike my spouse’s results, mine weren’t available immediately. Feeling uncomfortable, I canceled the application without signing anything. The lab handling the results had errors, making it difficult for me to access them, so the insurance company had to release them manually.
I still need life insurance. How long will these results affect me? Can another company find them? If I apply later, do I need to mention this? I don’t use cannabis habitually and would test clean now. Should I wait a year or more before applying again? I’ve started with another company, and they asked about my previous application and exam.