In most states, they do test for the active ingredient in marijuana. Typically through bodily fluids such as blood and urine.
Any presence used to be a decline. Now recreational marijuana users are considered at the same rate as cigarette smokers by many companies. Heavy users are often rated or declined.
It is very important that you are truthful when you complete your application for insurance to avoid problems at claim time.
As an independent life insurance broker, who represents several companies, I can help you find the right policy at the right price.
If you have further questions, or feel that I could be of assistance, please do not hesitate to contact me.