Morning,

 Desperately need your help!

 I am going for a blood and urine test that forms part of a standard Discovery Life policy with Discovery nurses on Monday…thing is…I am and have been a smoker of marijuana for the last year and a half…I smoke 3 doobs most nights, nothing during the day as I work but sometimes 3-5 on Saturday and Sunday respectively….

 Do they have to tell you upfront whether they are testing for drugs? I have said that I am a smoker so as to obtain smokers rates but am unsure why they need both blood and urine samples and whether they are just testing for diabetes, high cholesterol etc or whether they do a drug test as well?

 I don’t want to be declined as it will go on my insurance record and as such will most likely be declined on future policies…what do you suggest I do? How long does this stuff stay in your system and what should I do for it to not show up?

 Thank you for your site – SO informative! :)