I never thought I'd be writing a blog post like this, but with the "holiday" (April 20 or 4/20) approaching it makes sense to talk about how marijuana use can and will affect your life insurance rates.
The fact is, most companies are still insurable you consider if you want to deliver, whether for recreational or medical purposes. However, these companies are more likely to put you in the "smoker" or classes "tobacco", which have rates as much as 4 times those assigned to non-smoking healthy. Of course, your rates depends also on other factors such as your health and lifestyle.
There are a few selected companies that will give you a non-smoker discount if you use marijuana only 1-2 times per month. There is no way that the average consumer is not favorable that companies treat marijuana smokers; That's why the comparison shopping and using a smart quote tool is so important.
As with any health condition or lifestyle choices, it is imperative that you are 100% honest and forthcoming about your request. If you are not, and they find your THC (the active chemical in marijuana) levels, your entire policy can and probably will be annulled or canceled. Worse, if you die, and they found out that you smoked, vaped, eaten, or marijuana in any way, your death benefit will not be paid.
You should know that if you use cocaine, heroin, methamphetamine, or drugs unauthorized prescription, you will be denied coverage. coverage Also, if you have been arrested for the sale or possession of marijuana, you will most likely be refused.
This is probably a good idea to stop smoking for a week or two before you get your medical examination. For more tips to help you get the best results of the review, see this blog.
All life insurance companies are different and they will quote differently. Therefore it is ideal for shopping on the market. At AccuQuote, we do this for you
Update :. Discover our new post on how the use of marijuana affects your life insurance rates
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