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.

21 thoughts on “Can Pot Smokers get Texas Life Insurance”

  1. Millions of people are interested in purchasing a life insurance policy and are spurned on the grounds of pot smoking. Thanks to new changes in insurance underwriting, this may be a thing of the past.

    People are denied insurance due to the fact that insurance companies view marijuana as an illegal and dangerous drug, which accelerates an individual’s heart rate, causes respiratory and circulatory problems and can lead to short-term memory loss.

    On continued usage, marijana smokers can easily become mentally addicted to marijuana and its active ingredient, THC, with some extreme cases suffering psychosis.
    Life Insurance Marijuana

    Though marijuana is used successfully in the treatment of certain illnesses, it can cause anxiety, fear, distrust or panic in individuals. This is another reason insurance companies prefer not to offer life insurance policies to people who have a history of marijuana use.

    Many medical patients assert that pot smoking has reduced their suffering to a certain extent, but U.S. law categorizes marijuana as a Schedule I controlled substance.

    Irrespective of whether insurers consider marijuana to be a helpful drug that should be used in the medical field, it will never have a positive effect on a policy application unless prescribed by a physician, and then only in certain states.
    There are Four Insurance Companies that Don’t Test for Marijuana

    There is no need to take a paramedical exam. There are four companies on the market that offer policies regardless of marijuana use and therefore don’t test for THC in blood or urine.

    All of these policies can be purchased online. You don’t need to be too candid as life insurance agents are usually worldly enough to take a hint. Subtly suggest that you want marijuana insurance and you will be directed to a provider that doesn’t include THC testing in their procedure.

    Failure to contact a marijuana-friendly insurance provider will more than likely place you in the smoker’s category which usually means rates that are up to 3 times higher than their non-smoking counterpart.

    Marijuana users’ details will be reported to the Medical Information Bureau (MIB). Once your name is on the register your insurance premiums will skyrocket and stay there for the duration that you remain there.

    Light or social marijuana uses who have abstained from use before taking the life insurance test for marijuana will have to wait for anything between 5 and 90 days for the drug to leave their system, depending on metabolic efficiency, body mass and several other contributing factors.

    Physical variances between individuals make it difficult to judge as to whether tests will come back positive or not. Once enrollees have produced a positive result it can be very difficult to get insured, so this is something worth considering if applying for standard insurance with paramedical exam.

    Tester kits are available at Walgreens for around $16.00, including the lab fees and return postage, should applicants need extra peace of mind.

    Submit the online form at the top of this page or better still, call the agent to discuss the ideal no THC exam marijuana life insurance policy. Any decent agent will understand an applicant’s right to discretion and will do everything they can to find the right policy at the best price.

    Agents will not lie on an applicant’s behalf as this will compromise their license, but if a provider isn’t checking for THC and the customer can pay less, they will usually do everything they can to help them get insured for less.

    What you Need to Know about Marijuana, Life Insurance and the Paramedical Exam:

    Most insurance companies insist that applicants conduct a life insurance marijuana medical exam. On the basis of these tests, applicants are granted a life insurance quote.

    Should applicants fail to clear the paramedical exam for drug reasons, it is likely that they won’t get any kind of insurance, even for a motor vehicle or possessions. This is especially true when buying insurance from an insurance provider/company that is affiliated with MIB.

    Occasional marijuana users can buy guaranteed life insurance. When applying for this kind of insurance, applicants are also saved from the trouble of undergoing any medical examination.

    Guaranteed life insurance premiums might be a little expensive, but customers will definitely be able to buy coverage for themselves and their family. ING are one such company that specialize in guaranteed insurance for those that may not otherwise qualify.

    Applicants may be denied insurance coverage if they don’t divulge true information in any field, and the same applies to marijuana smoking. Some people are scared of admitting marijuana use for pleasure purposes because they feel they might be reported to the authorities.

    Medical exams for insurance purposes are very efficient and tests are accurate, so it’s always best to divulge as much information as possible to a medical practitioner beforehand.

    Applicants can rest assured their life insurance application will not be forwarded to the police or any such authority. The information asked by the insurance provider is purely confidential and is used only to evaluate their application. The Hippocratic Oath applies here just as in any other medical situation.
    Is Marijuana Always Linked to Tobacco Use with Life Insurance?

    Marijuana use is often linked to tobacco use for insurance purposes. This is seen as unfair by many due to the fact that marijuana has never been proven to have the same devastating effects on the human body as tobacco and alcohol.

    Marijuana has never been recognized as a carcinogenic, does not negatively affect internal organs and has actually been proven to relieve the nausea and discomfort associated with cancer and AIDS. It is often smoked with tobacco and for this reason may fall into this category.

    Those undergoing a paramed exam will usually be tested for cotinine, which is a byproduct of nicotine within the metabolic system. Cotinine will stay in the human body for at least 34 hours and most particles will exit the body within two to five days.

    Basic tester kits are only accurate to levels higher than 200ng per milliliter. Within three days of abstaining, most people will be below this level, but it is recommended that those undergoing the paramedical exam quit for 3 weeks, as more sophisticated equipment can detect cotinine after much longer periods.

    Nicotine withdrawal substitutes such as patches contain high cotinine levels. It is advisable to go cold turkey or seek out herbal methods to assist with quitting smoking prior to the life insurance paramedical exam.

    Once a person has gone without nicotine for three weeks, they may as well stay as non smokers as the addictive element will long-since have disappeared. Lower cost premiums and a new lease of life await!
    Term Life Insurance for Marijuana Smokers – Another Option

    It is now possible to obtain term life insurance coverage for marijuana users. Enrollees who are in good health, but enjoy having that occasional joint may purchase life insurance from companies such as ING for 10, 15, 20 or 30 years.

    There are many options nowadays that will offer life insurance that suits a marijuana user’s requirements, provided applicants have an undertanding and knowledgeable agent.

    Having found the desired quote results, it’s usually simply a case of filling an online form for processing. Applicants will also need to tell the company which plan they are interested in and how much insurance they want. After assessing an application thoroughly, they will inform of the minimum time (usually a couple of weeks) required to process the application.

    A good provider will always be happy to discuss their policies with a prospective customer. One such provider was a little too enthusiastic in his response: “I’ll hand you over to Blake; he’s our resident pot-head!”

    There are ways that you can be a marijuana user and still qualify for term life insurance at non-smoker’s rates. Most casual users should take note before they decide to make a decision on a policy, after all, term life insurance is for the long haul and is not to be taken lightly.

    Remember: excessive use of marijuana can prove dangerous, so one should use it in moderation. If you are taking marijuana for medical purposes, then it is better if you vaporize weed rather than smoke it. This way you will not inhale hazardous smoke, but will still reap the benefits. As with any medication, always strictly adhere to your doctor’s advice for use.

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  3. I want to get some life insurance. But, I like to smoke the marijuana from time to time. What can I do?

    So, I like to smoke the occasional pot stick, I don’t think there’s anything wrong with that. I’m in a situation though where I would like to get some life insurance and I’m currently abstaining from my drug of choice because I know there will be a blood test involved. My questions are:

    1) Are they testing for marijuana?

    2) How often will I have additional tests?

    3) As a occasional pot smoker what are my options for hassle free affordable health insurance?

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  8. Hello All!
    I am recently in the market for life insurance, I have a young child and want to make sure she is taken care of in the event of something tragic to either me or my wife.
    My question is not concerning how long it takes to clear the system, my insurance broker flat out told me they test for some drugs and MJ can be one of them.
    He also told me that they no longer refuse MJ smokers because 30-40% of applicants test postivie in some way to MJ (I know alot huh). He said that heavy users of MJ and smokers can be required to pay substantially more for their policies than occasional “light” smokers.
    I have been detoxing for the better part of 3 weeks now, I plan to go a full 2 months clean so as to be sure to test negative completely for MJ as I can save about 1500-2000$ over the next 10 years due to prefereed rate status.
    The questionaire section administered by the nurse will ask for drugs, cigarette smoking and potentially life threatening diseases.
    I don’t drink, smoke, or do any drugs, I don’t consider MJ a drug but that’s another thread. If I test positive for any of these my results will go to a data base (the goverment is not allowed acces to these only other insurance companies).
    I know I am rambling but I had to do alot of research to get a handle on all the logistics behind insurance as most insurance companies will do everything in their power not to pay out the claim.
    There is a 2 years contestability clause for all life insurance from what I have read, meaning if you say you don’t smoke cigarettes and you do but you die 4 years into your policy they can’t refuse your claim, withing 2 years they can use any untruthfull information or any information you may have neglected to share to refuse your claim, past that they have to pay.
    I plan to say I never smoked on my application which is why I am detoxing for so long, I am concerned that say I should die in a car crash that they can ask for an autopsy and refuse my claim based on a postive MJ test.
    I am wondering if I should admit to being an occasional smoker and let my piss test do the talking as to how much seing as it will be clean.

    If anything this thread can serve as a place to compile information, many smokers need life insurance to cover business loans, etc.
    I find there are alot of gray areas, if any insurance brokers can chime in here that would be great.
    NORML has an article about life insurance they are providing that is pro MJ, they cover smokers indescriminately.

    Thank you all in advance for sharing your knowledge, questions, or experiences.

  9. I am a chronic marijuana user; once a day for about a year. It has not caused me any social, marital, academic or mental difficulties; it did though, alleviate my drug resistant depression and sleep disturbance.I am not using any other legally inappropriate chemicals.
    I am an engineer with a recently acquired master?s degree. Recently I
    have been offered contract employment with a small company doing a
    project for a big oil company. This small company is in the process of becoming independent from a relatively bigger corporation. So there are three companies involved: The small one I will work for, it’s parent corporation, and the oil corporation who contracted out the project I will work on to this intermediary corporation. Boundaries are still fuzzy. I was required to start a DBA to accept this position, so legally I am a ?consultant?, a separate legal entity as I understand. Keeping in mind that I live in Texas, could you answer the following questions:
    How likely is it for an ? independent contractor? to be drug tested,
    considering the circumstances of this employment?
    If it is very likely, are there any legal steps I can take or any
    legal arguments I can employ to avoid the test other than 4th and 5th
    amendment violations?
    If no, are there any valid reasons for drug tests to be delayed
    without arousing unnecessary excitement?

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