If you are one of the millions that smoke pot and are interested in applying for life insurance for marijuana smokers. This article will show you how easy it is and how to get the best life insurance rates. On todays standards, purchasing life insurance for Pot smokers is a piece of cake. Smoking Marijuana is just looked upon as a form of smoking no different that cigarettes or cigars. This blog post is all about how to get the lowest life insurance rates for Marijuana smokers. Use our quoting system to compare immediate life insurance quotes.
Applying for life insurance as a Marijuana user is 100% safe. None of this information is ever shared with anyone.
Insurance companies have an extreme liability to work with the HIPAA Act Privacy Rules and Regulations. They are bound by a rock solid agreement to protect your privacy. The life insurance companies are in business to sell their insurance products, not informing anyone about your business. If you have any worries about this, put them to rest right away. This protection works the same as any medical conditions you may have along with any medication you use.
The best life insurance companies will ask if you use Marijuana for recreation or medical purposes and how much do you use it.
Smoking Marijuana will never prevent you from purchasing life insurance. If you spend several hours a day smoking Pot for recreation seven days a week, this could be an issue. Life insurance for Marijuana use is not considered high risk life insurance. Heavy recreational use of Pot could become a health hazard due to lung damage. This very heavy use could lead to lung and respiratory conditions similar to cigarette smoking.
Whether you smoke Marijuana for recreational purpose or for a medical condition, you have many good options to choose from.
Purchasing low cost term life insurance for Marijuana smokers is as simple as falling off a log.
Most people that are casual users will not have a problem. It is important for us to shop the market for you to locate the best life insurance rates for Marijuana smokers. We need to see who would be the most cost effective company to apply with. It is actually simple nowadays to apply and receive great rates if you use Marijuana. This is nothing like it was years ago when the life insurance industry were intimidated with Marijuana use.
For most people by far, life insurance will be obtainable with no problem. The same thing holds true for consuming alcohol. If you don’t pound down a large volume of booze or beer you can purchase life insurance without a problem. This is pretty much just common sense. Obtaining the best life insurance rates for Marijuana can very likely end with preferred rates.
Can recreational Marijuana users qualify to buy life insurance?
Yes, most definitely because the life insurance companies are changing their guidelines relating to marijuana use. The insurance companies will quickly approve an individual who just uses marijuana for recreation use. The normal other underwriting factors that have to be taken into consideration also. Such as your health history, height & weight and any hazardous jobs or sports you may have.
This revolves around the simple fact that Marijuana is not viewed along with the chemical type drugs. Such as Cocaine, Heroin, LSD, PCP and Methamphetamines along with many other illegal narcotics.
Years ago smoking Pot was considered a felony violation which could result in jail time if convicted. That is now a thing of the past and many states will just inflict a small fine if anything. Most police officers will confiscate your recreational Marijuana and many times take it home and smoke it themselves.
Are Pot smokers approved in a “smoker rate” classification due to the fact Marijuana use is a form of smoking?
Traditionally in the past, life insurance companies would automatically consider approving Marijuana users in a “smoker” rate class. This is because this was actually a form of smoking just like a cigarette or cigar smoker would be. Even though this was a common practice years ago the underwriting has changed to the extremes.
Most companies will classify a Pot smoker as a non-smoker as long as he does not also use tobacco. This is at the same time when the application is completed. Just as with everything else, life insurance companies underwrite their applications differently than another company would.
Is it better to conceal the fact I use Marijuana and hope the insurance company never finds out?
Absolutely not, you never want to conceal any information that is asked of you on a life insurance application. The life insurance companies will definitely know if you use Marijuana because of your test results for blood and urine. If you lie on your application the life insurance company can decline your application.
When this happens any other life insurance company you apply with at this point with see on their central computer. It will show that you applied with a specific company and your application was declined. This will raise a flag right away. Always tell the truth! Smoking Marijuana cannot hurt your purchase of life insurance.
If you are interested in applying for life insurance and you use Marijuana, go ahead and apply. Smoking Marijuana is so common today you have nothing to worry about especially in these modern times.
If your use of Marijuana is for medical purposes, that can be a different story all together.
One of our favorite companies is the well-known Prudential Insurance Company from New York. Prudential can actually offer you a life insurance policy without a smoker’s rate. They can even go as far as offering you Super Preferred rates if your health history is very good. Now keep in mind that this is for the medical use of smoking Marijuana. We will take a look at the pleasure use of Pot and its effect on purchasing life insurance below.
We did considerable research on what life insurance companies give the most favorable decisions for a Marijuana smokers.
MetLife: The New York giant MetLife will come back with a Super Preferred Non-Smoker rate if you smoke less than 1 week. If you exceed the specified limit of smoking Pot, your rates would convert to smoker’s rates. This could easily double or triple your life insurance premiums.
Transamerica: The Transamerica insurance company would normally come back with a smoker’s rate which is a common underwriting decision. Transamerica always offers some of the best online life insurance quotes for individual life insurance.
Mutual of Omaha: The well know Mutual of Omaha company will usually come back with a Non-Smokers rate if you smoke reefer no more than once a week. Anything over once a week would trigger a smoker’s rate.
Prudential: The Prudential company which is a top contender for use with a Medical Marijuana user which would allow you to smoke Pot twice a month to receive a standard plus non-smoker rating. Using Pot over the 2 time per month limit would change to table B or C non-smoker rating. This is still an excellent rate to receive.
Minnesota Life: The well-known Minnesota Life from you guessed it, Minnesota, will offer you Preferred non-smoker’s rates. If THC is found in your lab results the rate class would change to Smoker rate table 3 or 4.
The usual step by step underwriting considerations remain the same when a person applies for life insurance for Marijuana smokers.
Always remember that your overall health history still is the most important factor on any life insurance application. Also, along with any hazardous sports or even if you have a dangerous occupation. The use of Marijuana is just another rating factor on an application along with everything else which is taken into consideration on a conventional life insurance application for low cost term life insurance.
We work with over 40 of the best life insurance companies. Finding the company with the most favorable underwriting decision is not going to be a problem. We usually medical pre-screen many of our applicants before we have them apply. This is to eliminate any surprises when the underwriting process is finally completed.
Smoking Marijuana in moderation is usually not going to represent a problem.
If a person is a heavy Pot smoker, the Pot can represent the same lung, heart and respiratory medical conditions. Just as a heavy cigarette smoker which could lead to lung Cancer, Emphysema or COPD. Smoking Marijuana certainly does not mean you can’t have the same medical conditions as a tobacco user. The Marijuana deposits its residue in the lungs which can come back one day as a major life threatening disease.
You also have to remember that Pot smoker’s do not use a filter like a cigarette user usually does. This is similar to smoking the old cigarette brands such as Camel, Lucky Strike, Pall Mall without filters. This was always as a standard practice years ago. Life insurance for pot smokers works in a similar way.
We can commonly provide preferred rates for our applicants as long as their overall health is good.
If you are interested in purchasing life insurance for Marijuana smokers and want the lowest rates possible. Give us a call and we will answer all your questions with no cost or obligation. Our job is helping you find the best term life insurance with the absolute lowest rates. Nobody wants to pay any more than they have to for insurance products and that includes myself. We always provide the very best choice of top rated life insurance companies to get the best rates.
We have quite a few highly rated life insurance companies that offer preferred rates to Marijuana users. Regardless if the Marijuana is medically prescribed or not.
Activate our quoting system and compare the best term life insurance quotes online in less than a minute.
If you are ready to start comparing plans designs and premiums, complete the form on this page. You can begin comparing the lowest rates from the most competitive companies in your state. Our quote engine will display immediate life insurance quotes. All of the best life insurance quotes are displayed on our quoting system are up to date and accurate.
If you have any medical problems we can provide you with a company has has the most liberal rates for your condition. We utilize over 40 life insurance companies to make sure you receive the lowest rates possible. If your health is below normal you can apply for life insurance with no medical exam.
Why should you use an independent agent to help you purchase life insurance?
Just like anything else, if you don’t shop for individual life insurance everyday, it can get a little frustrating. That is why working with an independent life insurance agent is so productive. A huge percentage of people in America smoke Marijuana and it is no big concern to the life insurance industry. Many questions come up such as should I buy Term life insurance, Universal life, or Whole life? What company should I apply with, Prudential, Banner Life, Protective Life, American General, Transamerica? Call us for immediate answers to all these questions and more 7 days a week.
Purchasing life insurance for Marijuana smokers is a snap!
Call us today and we will help you compare the best life insurance quotes for Marijuana smokers right over the phone. This is a very simple process and within minutes you will know what company will offer you the lowest rates. We are independent agents and we shop the entire market for the best life insurance rates in all 50 states. Visit our About Us page to learn more about us and our business.