Ignorantly took a full blood panel and urine test. How permanently screwed am i?
So back in late Feb, I had just returned from a trip to Amsterdam and we were in the process of trying to apply for life insurance (my spouse and I). We were totally new to the process and were not aware of how thorough the testing was being young (early 30s).
It was a smaller insurance company and they told us we needed to schedule “an easy and quick at home medical exam”. A couple showed up and took all our vitals, blood and urine. I was scared immediately that our recent trip and not knowing enough about the testing process had put myself in a compromising position. We were walked through the whole process before scheduling by our agent who never made an explicit mention of drug testing…
I definitely took edibles in AMS and tested positive for cannabis in the results. They wanted me to sign documentation that I partake in cannabis and give information on how regular. They could not produce my results immediately like they could for my spouse and I told them I was uncomfortable with the process and cancelled the application. I didn’t end up signing anything. These results went to a lab that I cannot even query and is not connected with any of my actual health providers. The insurance company had to manually release the results to me because the lab had incorrectly listed me in their system to a point I could not access online.
I still need/want personal life insurance… How long will those results follow me around? Can another company find them? Can I wait and apply later without mentioning what I’ve done? Its not habitual use and a seriously unfortunate timing of events. If I were to test tomorrow I would be clean from every perspective. Do I wait a year or several years to try applying with another company? I’m not sure how any of that works. I have begun the process to apply again with another company and they’ve already asked if I applied to another 3 months ago and if there was a medical exam.