You might be holding back from buying life insurance because you are using medical marijuana.
You have the opportunity to buy life insurance with little to no rating increase. The underwriting practices involved in applying for a policy are changing significantly as the legality of using marijuana has hit new territories.
Life insurance for marijuana smokers can be obtained from a large amount of different insurance carriers, but it’s likely you’ll need to speak with an independent agent first to make sure you are applying with the right companies. Not all companies have the same guidelines, so one company might offer you a better policy than the next Buy Marijuana Online.
There are several things which the insurance companies are going to be looking for when you apply for marijuana life insurance. The amount of times you use marijuana on a particular day, week or monthly schedule is going to be a big factor. Also, the amount of THC which is actually in your blood stream can count for or against you as well.
If you pass what the insurance company is looking for as far as the marijuana, you’ll still be required to medically qualify for the coverage just as any other person who is applying. You’ll need to have a clean driving record, a good medical history, and a reason for the insurance.
Just be sure to tell the carrier on your life insurance application that you are a user of marijuana. By telling them up front, you’re increasing your chance for coverage for marijuana users. They will likely ask you about your prescription. By telling them as much information as you can up front, and being honest about everything, you’re more likely to get a favorable rating.
The rating you can expect mostly depends on your current level of use, as well as the reason you’re using. Your medical condition which is requiring your use, your medical condition is going to be a big determining factor on what your rating will be, in addition to the use of marijuana as a substance.
You can sometimes get a preferred rating if you choose the right company and the right policy, but not always. Depending on your level of use, you could get a smoker rating, which is identical to that of a person who uses tobacco products like cigars, cigarettes, etc.
Just be sure you are applying with the right company and you’ll likely have no problems getting life insurance. If you have questions, there are many resources available to those who are seeking life insurance with marijuana as a consideration.