• Zack Taylor

Will CBD Oil Show Up in my Life Insurance Lab Work?

Updated: Feb 20, 2019

CBD oil seems to be everywhere these days. I recall reading an article about it for the first time a couple years ago on a cannabis publication, and now there are articles about it everywhere. It’s the hot new thing, and there’s lots of different information about it, but the general consensus is that it’s a great product that solves a number of health problems ranging from pain relief to diabetes, appetite, anxiety, epilepsy, and more. The big question though is, will it show up in your life insurance lab tests.

CBD Oil, or Cannabidiol, is the non-psychoactive part of the marijuana plant that delivers the health benefits mentioned above. On the flip side, THC is the commonly known, psychoactive part of marijuana that gets you high. CBD oil is not intended to deliver a high, but rather a medicinal, natural remedy for a wide variety of ailments.

What’s a little frightening about this new miracle product is the lack of regulation on the manufacturing side. My colleague, who previously worked in sports medicine with medicinal healing and as a grow consultant, suggests looking for a pesticide free product. Mass producers are looking for the fastest buck, and will take typical farming shortcuts to produce as much as possible. Just as you might opt for organic produce at the grocery store, you want to find a pesticide free CBD Oil.

In terms of extracting CBD Oils, there are two ways of producing it. One is derived from the flower, aka cannabis or marijuana, and the other is from the leaves and stalk part of the hemp plant. The hemp one will be labeled ‘Hemp CBD Oil’, and will likely be labeled as containing no THC. For the cannabis derived CBD Oil, many prefer the “entourage” effect that it provides because of the trace amount of THC in it. This is usually labeled on the product with ratios to CBD such as 2:1 or 8:1. A lower ratio is going to have very trace amounts; however a high ratio may deliver more of a high and contain higher THC levels, so you need to be careful in terms of which product you choose. In terms of CBD levels, the oils come in different levels of CBD concentration, and the general rule of thumb when trying it is to start with a lower concentration and move up, finding a balance that works best for you.

Now that we’ve established some quality control and highlighted some different choices on CBD Oils, our main subject here is Life Insurance, and if you’re using CBD Oil, it’s a good question whether or not CBD oil will show up in your physical lab exams as marijuana usage during the application process. The short answer is no, but according to Herb, it’s a little more complicated than that.

The CBD Oils that have a trace amount of THC could show up in your lab work as a false positive, but further THC testing would likely show up negative assuming you’re not consuming tons of this stuff. In other words, you’re likely not going to be flagged as a marijuana user in this case even if you're using CBD Oil fairly regularly. If you're using a high ratio THC CBD oil that we mentioned before, then this may yield positive results, and you may need to apply as a marijuana user.

In conclusion, if you’re in the process of applying for life insurance, and you use a typical CBD Oil product regularly, you should not have an issue with a drug test, however, if you’re still a little bit concerned, just make sure you’re using a Hemp CBD Oil that has no THC in it leading up to your physical exam. We don’t want to confuse the underwriter when reviewing your application, so unless you also consume marijuana, consider making the switch if you want to be extra safe.

For more information about applying for life insurance, browse the articles on our site, and check out our instant quoter. We place life insurance policies with all kinds of people, and we have a special area of understanding for marijuana use, so we can help you in either capacity. Once you submit your info for a quote, I'll be in touch shortly after to help you through the process and answer any personal questions.