Life insurance companies often require applicants to undergo medical examinations, including blood and urine tests. These tests screen for a range of health indicators to assess risk and determine policy premiums. One potential substance screened for is tetrahydrocannabinol, or THC, the primary psychoactive compound in cannabis.
The detection of THC can influence policy decisions. Insurers are concerned with assessing mortality and morbidity risks. Substance use, even if legal in a particular jurisdiction, can be viewed as influencing these risks due to potential health implications or lifestyle factors associated with its usage. The historical context surrounding substance use and insurance risk assessments contributes to current practices, where underwriting decisions are based on actuarial data and perceived risks.