Can Pot Smokers get Texas Life Insurance

          Call me at 512=963-5000 for a private consultation….I have gotten my clients ratings from preferred smoker to standard smoking rates.
Also you can run these two ratings below to see instant online rates for preferred smoker and standard smoking rates. So if you are looking to buy Life Insurance from New York Life,Metlife,Farm Bureau,State Farm,Northwestern Mutual,Farmers OR any other company why pay more than you should.
Scott

 

Yes, you can still be approved for life insurance if you smoke marijuana, even without a prescription.If you do smoke the occasional joint (marijuana cigarette,THC), and end up with a smoker’s offer, the best solution here is to take out the insurance you need, pay the smoker’s premiums, and quit smoking pot. After a year, you can reapply for coverage with a different carrier, and if you’re still healthy, will have a great chance of getting a standard non tobacco rating, which will save you about 50% on average.

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Despite the fact that casual marijuana me is illegal within the U . s . states, and medicinal marijuana me is only legal inside a couple of states, many People in america see no problem with periodic leisure utilisation of the drug. These folk see not a problem with involving every now and then, simply to realize past too far that marijuana smoking may cause problems once they make an application for term life insurance coverage. Even though they will not be refused insurance, they’ll pay more for his or her life insurance coverage coverage.

Generally Considered Tobacco People who smoke

Nearly all life insurance coverage companies classify pot people who smoke exactly the same way the classify those that smoke cigarettes or any other types of tobacco. Since smoking anything can increase your odds of creating a existence-threatening illness, your life insurance coverage rates is going to be greater. The guidelines change with respect to the insurance provider, though.

Some companies won’t cover marijuana customers due to the fact the medication is illegal. They reason why anybody who breaks what the law states will probably participate in other dangerous actions. Others will offer you a non-tobacco rating to clients who admit to presenting marijuana only a couple of times annually. You will have to do your homework to locate an insurance provider that will give you the best offer.

Earn a much better Rate by Giving up

One method to help cut lower in your life insurance coverage costs like a marijuana smoker is to find the conventional tobacco smoker’s policy after which stop using marijuana throughout the very first year of coverage. Once you have gone annually with no marijuana use, you are able to obtain a new policy or improve your existing policy to mirror you have stopped while using drug. Eliminating your marijuana use can reduce your term life insurance coverage policy rates up to half.

Prescription Marijuana Me is Treated In a different way

Many life insurance coverage companies offer non-smoking guidelines to individuals who use marijuana legally in states that permit medicinal marijuana use. The issue with medicinal marijuana and life insurance coverage would be that the medical problem that triggered the individual to require marijuana like a treatment might be reason behind high rates or denial. Your insurance costs may be greater due to the fact you’ve got a serious health problem and never since you use marijuana. As lengthy as the condition doesn’t disqualify you against coverage, you shouldn’t face any penalties in the life insurance coverage company relating to your legal medicinal marijuana use. Since most of the problems that demand marijuana medications are existence-threatening, you may have trouble finding an insurance plan to begin with.

Same Forms Used Through the Country

Even when you use medicinal marijuana in a condition where it’s legal, you still need to determine the box in your life insurance coverage application that states you’ve used an unlawful substance in the past 5 years. The reason being you have to disclose because you use marijuana. It’s incorporated being an illegal substance around the applications because the medication is illegal in a lot of the country and also the same forms are utilized in each and every condition. You’ll have the ability to discuss your marijuana use together with your agent to ensure that they’ll be conscious that your me is legal.

Illegal Use Can’t Be Reported

Many people might be reluctant to reveal marijuana experience a life insurance coverage form since they’re afraid the life insurance coverage company will contact the government bodies about illegal drug abuse. Federal health privacy laws and regulations really stop the insurance provider from discussing that information using the government bodies. Its not necessary to fret that the marijuana use is ever going to be utilized against you legally through the insurance provider. Actually, you face worse legal effects should you not reveal you have used the drug previously year.

Marijuana Findings Might be Reported to MIB

There’s one organization your life insurance coverage company may share the application information with. The MIB, or Medical Information Bureau, uses information from life insurance coverage policy programs to construct record data through the U . s . States. The MIB isn’t connected by any means to the us government, and they’ll not share your data with any police force agencies. Because the insurance provider needs to request for the permission to talk about the data, you can just decline the choice if you’re uncomfortable by using it.

Life Insurance Coverage with no Physical Exam

You may think that using for any life insurance coverage policy that does not require any preliminary physical exams could be a good way to prevent acknowledging marijuana use. You will find term life insurance coverage guidelines available that do not require exams. These guidelines are often more costly than traditional guidelines, and they’ll still request you about drug abuse on their own written application. The effects for laying about marijuana around the written application are simply as dire because the effects to be caught with marijuana in your body throughout a conventional physical exam without revealing your use. The very best factor to complete is admit your drug abuse in advance without attempting to hide it by any means.

Speak with a real estate agent before Selecting Insurance

Since marijuana me is treated so in a different way by different insurance plans, you need to stomach-several life insurance coverage quotes after which talk to company reps before selecting an insurance policy. Be as candid as you possibly can using the representative whenever you discuss your potential life insurance coverage coverage. They’re not going to turn you set for illegal use, however they might have the ability to save a while and reduce your life insurance coverage policy.

Catholic Life Insurance Rates

Catholic Life Insurance Rates might not be the most competitive rates that are available to you. How do you know? How can you check? It would be in your best interest before buying  a Catholic Life Insurance policy check all the rates for all the insurance company’s on the market to make sure you are getting the best deal for your family. That is why Texas Term Broker has this quoting program that tells you everyone’s rates to make sure you are not over paying for life insurance. Give it a try.

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Experts have released new information about catholic life insurance that pays it’s policy holders month after month. The consumer help site is releasing a limited time webinar to explain how the ultra affluent use life insurance as an investment vehicle.

The director of relations explains, “For a few days catholic life insurance will be releasing an eye-opening series explaining how the ultra affluent would use life insurance as an investment. The series will dive into using this concept for elderly life insurance, veterans life insurance, children’s life insurance, and of course, the newest policy available catholic life insurance. This is a limited time event and due to the amazing benefits of these unique policies, space is limited. catholic life insurance will not be offering any sort of financial advice, the webinar series is being developed to educate our readers about the wealth changing opportunities.”

 

Life Insurance Online Application

Shopping for affordable term life insurance rates? With Texas Life Insurance, you can choose among the very best term life values with no pressure and no hassles. All it takes is a couple of minutes for term life insurance protection that can last a lifetime!

Texas Life Insurance stands behind your good name with quality term life insurance rate quotes from the top term life insurance companies: Transamerica Life Insurance Company, HSBC Insurance, MetLife, BannerLife, Genworth Financial, West Coast Life Insurance Company, ING, Fidelity Life and others. Count on Texas Life Insurance when others are counting on you!

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Life Insurance Phone Application

Can I Complete the Application Process By Phone?

Yes. The life insurance application process differs for customers with differing circumstances. When you begin your search for affordable Texas term life coverage you will learn that the process has been simplified to now do the application by phone.

Application information is taken over the phone in an easy 5 minute interview. 

Do not misstate your medical history in order to get a better insurance rate classification. Insurance companies will investigate your medical history through the results of your medical examination and inquiries to the Medical Information Bureau (MIB), which is a clearinghouse of medical information for all insurance companies.

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1. Completing The Application

Application information is taken over the phone in an easy 5 minute interview. 

Do not misstate your medical history in order to get a better insurance rate classification. Insurance companies will investigate your medical history through the results of your medical examination and inquiries to the Medical Information Bureau (MIB), which is a clearinghouse of medical information for all insurance companies.

2. Completing The Medical Examination
Insurance medical examinations are generally done by para-medicals, who are licensed health professionals, and are independent contractors hired by the insurance company. The basic medical examination can include a physical exam, urine specimen, and blood work.
For higher amounts of life insurance coverage, a treadmill, EKG, and X-ray are usually required.

– Get a good night’s rest the night before your exam.
– Fast for at least eight hours before the exam.
– Don’t smoke or chew tobacco for at least an hour before the exam.
– Avoid coffee, tea, or other caffeine drinks prior to the exam.
– Avoid alcoholic beverages for at least 36 hours prior to the exam.
– Limit salt intake and high-cholesterol food 24 hours before your exam.
– Don’t engage in strenuous physical activities 24 hours before the exam.

3.  Medical Underwriting
Each insurer sets its own underwriting standards. Then each application for insurance is reviewed to determine if the applicant meets those standards. Life insurance underwriting requires total medical underwriting and risk classification.  Medical underwriting involves assessing the applicant’s risk of death.  An underwriter reviews your life insurance application and the results of your medical examination. Underwriters have the option to order whatever additional medical tests they deem necessary  Life insurance applicants are grouped together into risk classes and charged premiums relative to their risk classification. Applicants in a higher risk classification are charged a higher premiums.  The insurance company wants to see if you have any health condition that could eventually affect the insurance company’s
risk. Blood samples will test for the presence of antibodies or antigens to the HIV virus; cholesterol and related lipids; liver or kidney disorder; diabetes; antibodies to hepatitis; prostrate specific antigen; and immune disorders. Urine samples screen for tobacco/nicotine use, certain medications, cocaine, and other drugs. Remember, medical underwriting differs only slightly from company to company.


4.  Risk Classifications

Preferred
If you are a better-than-average risk, have not used tobacco products in the past 5 years, have an excellent lifestyle and excellent medical history, no significant disease in your family history, with no dangerous hobbies or extended foreign residence,  you may be charged a preferred or super preferred rate.

Standard

If you are considered a typical risk, you will be charged one of the standard rates.

Rated
If you pose an above-average risk, you may be classified as an increased risk and charged a higher premium.

Declined

If you are rated as uninsurable, you may be denied coverage entirely.

 

Options if you are rated or declined?
More than 90 percent of life insurance policies are issued as applied for. If you are rated or declined, the rating is not always permanent. Quitting smoking, weight lose, bringing down your cholesterol or blood pressure will change your rating as an insurance risk and may change your risk classification.


5.  Quoting A Premium
If a medical problem is discovered, you may be offered a rated, or substandard premium. This means you won’t be declined but you’ll have to pay a higher premium if you want the
life insurance. There are two types of risk ratings.   They are flat ratings and table ratings.
For instance, the underwriter will usually issue a flat rating for a short time after a major surgery. However, a person with high-blood pressure would usually receive a table rating.  Table ratings are a percentage of the standard premium. For example, a Table B rating
might be 140 percent of the standard premium.  an underwriting decline becomes part of a permanent record with the Medical Information Bureau which is then available to all insuring companies.