Marijuana 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.
Scott

The greater prevalent management of marijuana customers is always to classify them as people who smoke. Within this situation, they’d pay exactly what a smoke enthusiast would pay in comparable health, which a minimum of doubles the premium. Alternatively finish from the spectrum, we’ve got some service providers who say since its illegal just about everywhere, they wont offer life insurance coverage to pot people who smoke.

Should you choose smoke the periodic joint (marijuana cigarette), and finish track of a smokers offer, the very best solution here’s to get the insurance coverage you’ll need, spend the money for smokers rates, and stop smoking pot. Following a year, you are able to re-apply for coverage having a different company, and when youre still healthy, may have an excellent possibility of obtaining a standard non tobacco rating, which could save you about 50% normally.

Its vital that you understand you are able to only be eligible for a a typical non tobacco rate or preferred smoker rate with full disclosure around the application. Despite the fact that many life insurance coverage carriers bloodstream test don’t test for marijuana, you most certainly should disclose your smoking. For just one reason, should you not its fraud. Next, should you die within 2 yrs from the policy date, the insurance provider is titled to research before having to pay the dying benefit. They’ll pull medical records and when they find THC inside your medical records, they’ve grounds to deny the claim, because you designed a material misrepresentation around the application, which may have brought these phones, either deny you coverage or offer it in a different rate.

You might be smoking marijuana having a prescription. Within this situation, you’re more likely to determine non-tobacco rankings. The larger problem here is going to be what underlying medical problem you’ve that marijuana continues to be recommended like a treatment. It’s generally recommended to individuals with glaucoma, cancer, epilepsy, and intestinal problems. (Ive read that THC is excellent for cancer) Setting marijuana use aside, these conditions will be either ranked or result in a rejected application by themselves. So the seriousness of your underlying condition would be the primary factor identifying your offer.

 

If you are smoking marijuana unlawfully, and disclose this around the application, be assured that HIPAA laws and regulations protect this post. Your agent or insurance provider cannot turn you in to the government . So you will find no criminal implications of acknowledging to as being a marijuana smoker on the life insurance coverage application.
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