When you get drug tested for life insurance do they watch you?

not only do they watch you, mostly all have their own medical team who administers the test for them. they have nurses who come to your home and weigh you, take blood pressure, draw blood, pull hair, do everything you would do at a normal doctor visit and then some! and they ask a ton of questions. they have tests (blood) that tell them if you have nicotine in your system. these nurses are trained to spot the tiniest risk, or dishonesty on your part. remember, they work for the insurance company!