If you are just here for rates and do not want to read what I posted then just run smoker rates and we will talk. All contact info will be confidential and unlike other sites that sells your information I am the only one to receive your info and talk candidly about your situation.
We’re going to begin with an assumption: if you’re scanning this article, you’re probably a marijuana user. (If you’re not a marijuana user, we’re sorry. Just see the rest of this article with a bemused smile on your face.)
You’re not alone: marijuana could be the world’s third most well known recreational drug (after alcohol and tobacco) and America’s most popular illegal drug. In accordance with a 2013 Gallup poll, 38% of adult Americans have tried marijuana, with 7% smoking it regularly.
Could you get life insurance if you use marijuana? The answer is, YES, life insurance policies can be obtained for marijuana users with or without a prescription. This means that, recreational marijuana users can obtain term life insurance without the need to hide their usage. Occasional marijuana users, even recreational pot smokers, or those that smoke a joint, or hit the occasional bong, can qualify at a preferred rate class because of the right companies.
Support for marijuana legalization has slowly crept higher because the mid-90s, according to Gallup pollsters. Marijuana was first made illegal during the U.S. in 1937 for questionable reasons. It absolutely was illegal nationwide until 2012, when Colorado and Oregon legalized the drug during the state level. Ever since then, two more states have legalized marijuana, and also as of today, eighteen have decriminalized it and twenty-three have authorized marijuana for medical purposes. Just the other day, Nevada became the very first state to place marijuana legalization from the ballot for 2016.
Marijuana just isn’t legal or decriminalized nationwide, however the U.S. Drug Enforcement Administration under President Obama has made a decision to stop actively pursuing marijuana offenses in states which have legalized marijuana in just about any form. With 50 % of the nation exempt from federal enforcement of the prohibition and 51% of Americans and only legalization, it’s only a matter of the time before legalization becomes national law.
So, will marijuana legalization affect my insurance?
In general, insurance companies are pretty conservative. You will be, too, in case your entire business revolved around assessing the risks of everything near you.
It has been shown to be controversial with one major form of insurance: health insurance. Despite medical marijuana being legalized in almost 1 / 2 of U.S. states, most health insurance companies try not to cover medical marijuana prescriptions.
When it comes to medical insurance, their caution is understandable: whenever state laws conflict with federal laws, it’s easier to be on the federal government’s side. Another huge hurdle? Considering that the federal government still classifies marijuana for a passing fancy level as heroin, meth, and other deadly addictive drugs, it is almost impossible to use marijuana in medical studies.
But what about life insurance policies companies? Life insurers have to take an extremely holistic take a look at a potential customer’s life – are they a beneficial driver, do they scuba dive, will they take long walks through electrical storms?
How does marijuana fit in? Will they outright reject marijuana users since it’s an illegal drug? Or will they be more progressive about recreational utilization of a somewhat safe drug?
To get a thought, we talked to underwriters and term life insurance agents to learn how life insurance policies companies see marijuana users.
Each case is looked over on an individual basis.
There’s no simple guideline for how life insurance companies see marijuana users. Each term life insurance company has different standards, with a few being more lenient and others rejecting all drug users outright. How a life insurer will rate you depends upon the frequency of use. Smoke weed each day? You have a worse potential for getting a beneficial rate than somebody who only smokes once a week or once a month.
Guide to getting the Best Policy for Marijuana Users
1. Step One: Disclose Your Usage to Your Agent
The initial step has been straightforward with your life insurance agent and letting them know one does use marijuana.
a life insurance policies drug test does look for marijuana or THC. The very last thing you prefer is to not disclose your marijuana use and pop positive on a life insurance medical exam.
The life insurance urine test will detect marijuana, in addition to the presence of other drugs.
Not divulging your use could jeopardize your odds of obtaining the best rate class along with putting the life span insurance company on alert that you may have not disclosed other important info.
Step Two: Disclose How Many Times You Use
After that, you need to figure out how often you partake of marijuana or cannabis to understand what rate class you can expect to receive from the various life insurance policies carriers who underwrite marijuana users.
Unfortunately, life insurance companies try not to currently differentiate between smoking marijuana (think joint, bong, spliff, blunt, gravity bong, etc…) using a varporizer or ingesting marijuana (think tinctures, brownies, cookies, frosting, etc…).
Hopefully in the near future marijuana life insurance policies companies will begin to rate various users differently depending on the way they partake of marijuana.
Step three: Disclose Your Reason for Using Marijuana
A carrier may wish to determine if you might be being prescribed the drug. The primary factor to take into account for anyone clients interested in life insurance policies with prescriptions for medical marijuana will be the underlying reason behind the prescription.
Obviously, there is certainly a positive change between taking medical marijuana for glaucoma when compared with taking medical marijuana for cancer.
Listed here is our marijuana life insurance exam tip:
If you are an intermittent user (not defined) it is possible to qualify at a preferred rate class as long as your urine comes back negative for traces of THC. The life insurance carrier figures that when your urine shows the clear presence of THC than you are not a periodic user. Typical estimates for just how long marijuana could be detected are around 13 days, but you will find reports of many people having came ultimately back positive for marijuana as far out as 3 months, so be careful!
If you are using marijuana only twice 30 days then you can certainly receive a typical plus rate class. You need to list your use on the application because life insurance coverage applications ask about drug use, in other words. marijuana. And also as stated earlier, life insurance policies companies do test for marijuana.
If you use marijuana once a week it’s possible to still receive a regular rate class. However, if you utilize daily, then then you will get a tobacco rate class even though you do not smoke marijuana but only use a vaporizer or ingest it.
Pot Smokers and Life Insurance
metlife term life insurance california cannabis
how far back does a urine test for marijuana for life insurance policies
does aig life insurance test for drugs
do life insurance companies test for pot
does penn muutal life insurance test for marijuana
list of life insurance companies that do not test for marijuana
do insurance blood tests for weed
answering yes to marijuana on life insurance exam
marijuana term 80 life insurance
on life insurance tests does marijuana matter
cannibis testing metlife term life insurance
How Life Insurance Companies View Marijuana Smokers
northwestern mutual smoker rate for marijuana
rejected for life insurance marijuana
does metlife give coverage to marijuana users
do life insurance companies test for thc
do insurance companies test for drugs when buying life insurance
which life insurance companies don t test for marijuana
will state farm test for weed for life insurance
metlife life insurance exam marijuana
medical exam for life insurance prudential what do they test for?
does aig life insurance test for thc
how long thc in blood? guardian insurance nc
do life insurance companies test for thc northwestern mutual
does banner life test for thc
does william penn life insurance test for marijuana
state farm drug test life insurance marijuana
will northwestern mutual still approve you for marijuana
what happens if you test positive to weed for life ensurance
mutual of omaha texas life insurance and smoking marijuana
matrix direct term life insurance urinalysis drug test
mutual of omaha texas life insurance and smoking marijuana
does pot count as tobacco on life insurance
if I get life insurance and show up positive for marijuana on test
Life insurance medical exams marijuana use
does genworth life insurance test for thc?
does new york life insurance medical exam test for marijuana
do life insurance companies test for thc
do life insurance companies test for weed
will life insurance deny coverage if test positive for marijuana
marijuana use show up on life insurance medical exams
does metlife life insurance test for thc?
what is the best term insurance policy for marijuana smokers
ing thc life insurance
northwestern mutual life insurance marijuana
northwestern mutual marijuana test
will my life insurance test for pot?
what happens if i am positive for weed on life insurance exam
marijuana use and new york life insurance
life insurance urine test pot
does new york life insurance medical exam test for marijuana
which insurance companies do not test for marijuana
farmers life insurance thc
Life Insurance for marijuana smokers
Life Insurance for Marijuana Users
Life insurance for cannabis users
Physical exam for life insurance: Do they test for marijuana use?
Blood testing for marijuana
Would a life insurance company deny you coverage if you test positive for marijuana
do life insurance companies test for thc
life insurance test for thc
does new york life insurance drug test for pot
state farm life insurance marijuana
northwestern mutual cotinine test
mutual of omaha texas life insurance and smoking marijuana
does life insurance test for weed
does transamerica life ins. drug test for cannabis
blood tests life insurance with midland
can pot smokers get texas life insurance
tests for life insurance marijuana
state farm life insurance drug test marijuana
does metlife test for thc
do all life insurance companies test for marijuana?
does pot count as tobacco on life insurance
does met life test for marijuana
do insurance companies test for weed
can life insurance companies report you for marijuana usage if found in the blood test?
do life insurance companies test for weed
marijuana life insurance
life insurance pot
term insurance test for thc
minnesota life insurance test for marijuana
banner life thc
state farm blood test for life insurance pot
does american family insurance test for marijuana for life insurance?
do insurance companies test for marajuna blood test
marijuana life insurance quotes
will life insurance deny coverage if test positive for marijuana
will insurance company call cops if you test positive for thc?
how life insurance companies view marijuana smokers
do they test for pot when you take a physical for life insurance
banner life insurance urine marijuana
does ny life test for thc
life insurance blood test thc new york life
life insurance companies that allow marijuana use
does genworth life insurance test for thc?
life insurance marijuana
what do they test you for northwestern life insurance
state farm life insurance urine test and marijuana
farmers is testing for nicotine will weed show on the test?
does lifesouth test for drugs when you give blood
northwestern mutual disabilty insurance and marijuana
state farm life insurance drug test
beat urine test for john hancock life insurance
does metlife check for thc in urine test?
life insurance medical exam marijuana
should i tell life insurance i smoke pot
life insurance ut test for marijuana
how life insurance companies view marijuana smokers texas
does thc show up in a blood test in a physical for life insurance
allstate life insurance pee test marijuana
northwester disabilty insurance and marijuana
do insurance companies decline for thc
does banner life insurance test for marijuana
what if marijuana shows up on life insurance?
do life insurenace companies test for marijuana penn mutual
term life insurance policy for pot smokers in austin texas
what insurance companies dont test for marijuana
state farm life insurance with marijuana
do they test for marijuana for life insurance
life insurance test marijuana
life insurance exam marijuana
does minnesota life test for thc
marijuana use show up on life insurance medical exams
does metlife life insurance test for thc?
life insurance test for weed
what is the best term insurance policy for marijuana smokers
do health insurance companies test for marijuana
how long does it take cotinine levels to drop below 200ng
northwestern mutual marijuana test
will my life insurance test for pot?
marijuana use and life insurance
what happens if i am positive for weed on life insurance exam
aig life insurance marijuana
apply for life insurance if i positive for thc
what if you test positive for marijuana for life insurance
marijuana use and new york life insurance
banner life insurance marijuana
life insurance urine test pot
does new york life insurance medical exam test for marijuana
do all companies test for marijuana
which insurance companies do not test for marijuana
term life insurance and urine test pot
banner insurance company drug test
matrix direct term life insurance urinalysis drug test
does prudential insurance test for marijuana
does life insurance test for thc
farmers life insurance thc
urinalysis and marijuana and life insurance
john hancock job piss test
life insurance urine test thc
what happens if ins find thc in blood?
thc insurance test
marijuana testing for life insurance policy? mass mutual
does marijuana show up in blood tests insurance
farm bureau nc insirance marijuana
prudential life insurance drug screening
does hookah show up on urine test
banner life insurance urine test
does marijuana show up in blood tests for life insurance
should i check yes when asked if i used any medication for life insurance
what is tested for life insurance? marijuana
do life insurance medical exams test for marijuana
life ins without marajuana test ma
what do life insurance medical exams test for
state farm life insurance urin test
met life test for thc life insurance exams
life insurance thc
do they do a drug test for life insurance medical exams
do life insurance companies test for pot
life insurance does not test for marijuana
northwestern mutual urine exam
do life insurance companies test for weed
do they test for marijuana for life insurance
do insurance companies test for marijauna state farm
what is allstate life insurance blood and urine test checking for
does a life insurance exam test for marijuana
first national bank life insurance urine test
life insurance health test marijuana
what do new york life blood tests
life insurance passing marijuana exam physical
how does life insurance test for marajuana
life insurance marijuana state far
life insurance urine test marijuana
insurance blood work marijuana
is cannabis a big deal for life insurance policy blood and urine tests
primerica life insurance pee test
marijuana life insurance physical
do insurance companies deny coverage based on marijuana use
northwest mutual drug test life insurance what do they look for
penn mutual life insurance and marijuana
do insurance companies test blood for thc
do the test for pot for life insurance
will state farm still give life insurance if you smoke weed
what does state farm life insurance blood test test for
does keyman insurance medical test for drugs
life insurance for pot smokers
can insurance companies test if you smoke marijuana
do life insurance companies test for thc
marijuana testing health exam state farm
what do geico life insurace physicals test for
life insurance tobacco test state farm
life insurance and marijuana testing
life insurance health exam thc
do they test for weed in a life insurance test
life insurance urinalysis flushing
do insurance companies test for thc
why would a life insurance exam only take blood and urine northwestern mutual
life insurance blood test thc
does new york life drug test
farm bureau life insurance thc
do insurances companies ask if you smoke weed
does guardian life insurance drug test for a life insurance policy
does mutual of omaha drug test for life insurance
metlife drug test
is minnesota life going to drug test me
northwestern mutual medical exam tests
ny life insurance test thc
prudential insurance marijuana
so they test for drugs during insurance medical exam
does life insurance drug test 500000
does life insurance check for marijuana
what kind of blood test for allstate they will do?
does new york life insurance exam test thc
life insurance exam test for marijuana? 2012 mass mutual
does penn mutual life insurance company do drug tests
new york life exam thc
guaranteed high risk life insurance
marijuana tests life insurance new york life
new york life marijuana tests life insurance
for an underwriter position at northwestern mutual do they get drugged tested
aig drug test lawyer
new york life insurance
does state farm insurance test for marijuana for life insurance
do they give you a drug test for a life insurance policy for farm bureau
life insurance pot smoking
state farm life insurance blood test
met lifedoes life insurance test for drugs
american family insurance physical drug test
does northwestern mutual test urine for drugs
when does new york life drug test
new york life insurance medical exam weed
northwestern mutual urine test
marijuana tests life insurance
will nicotine urine test show marijuana
do life insurance policies test for marijuana
physical testing positive marijuana
do they give you a drig test for a life insurance policy for farm bureau
do insurance blood tests test for thc
marijuana life insurance
do they test for marijuana for life insurance