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.
Yes, you can still be approved for life insurance if you smoke marijuana which is explained here by a doctor, 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.