If a 38 yr old male applies for a 200,000 life Insurance policy and is scheduled to take a urine test, what will they be looking for? Would marajuana use cause the applicant to fail?

They will look for anything and everything. The reason for testing you is to mitigate the risk associated with issuing your policy. If you have marijuana in your system, the insurer will most likely reject you due to the potential of other and riskier drug use, which in turn increases the possibility of reduced life expectancy, which in turn decreases the profitability of issuing a policy to you.

The life insurance company tests you to look for any diseases, and any use of illegal substances. They may also be able to determine what drugs and prescriptions you are on, and if you use tobacco or have nicotine in your system.

You may want to consider term life insurance no exam required. However, always make sure you answer all questions truthfully on your life insurance application, because they can contest your coverage if you die and they find out you did not tell the truth on your application.