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Get Affordable Life Insurance for Medical or Recreation Marijuana Use

If you are using medical marijuana or use it for recreational purposes, it’s not that difficult to qualify for affordable life insurance. The trick for getting the best rates is to work with an independent agent who can shop your application with multiple insurance carriers, especially those that are considered “marijuana friendly.” There are skilled…

Are all my Medical Records in the Medical Information Bureau?

Anytime someone applies for life insurance; they go through an underwriting process. For traditional life insurance products like Term and Universal Life insurance, the applicant sometimes must undergo an insurance medical exam and a blood and urine analysis. However, when you apply for life insurance and the application calls for no medical exam or blood and…

Common Myths about Marijuana and Life Insurance

Insurance is a confusing topic for most people. Lots of us like to think that we understand risk mitigation and how it’s structured, but unless you’re in the business, you’re pretty much guessing or listening to others who know less than you do. Because of this, there are many myths aboutmarijuana and life insurance that…

Insurance Underwriting and Smoking Marijuana

When you are applying for life insurance and smoking marijuana, applicants are normally required to answer a number of health and lifestyle related questions on the insurance application. Additionally, in many cases, the applicant must also undergo a medical examination that will include a blood and urine analysis, although there are many companies out there…

Scheduled for a Life Insurance Medical Exam? Don’t do These 5 Things

After calling several independent insurance agents, you finally got a terrific quote on term life insurance from your agent, and you’re anxious to get the process started. Your agent, who is now your new best friend, begins to explain the underwriting process so you can get these terrific rates, he goes through the application, gets…

Marijuana Smoker and Getting Approved for Life Insurance

Since over fifty percent of states have legalized the use of marijuana in some fashion, marijuana use is making the news now more than ever in America. Many consumers remain unsure, however, how the usage of marijuana, either recreational or for medical reasons, might affect the ability to purchase life insurance. Based on this, let’s…

Marijuana Questions to Ask Before You Buy

It’s fairly obvious that consumers in the U.S. are taking a more liberal view on marijuana use. In fact, more than 50% of the states have legalized its use in some manner. Although life insurance companies are conservative in nature, many of them today are opening up to the idea of insuring the lives of…

Are Marijuana Smokers Considered High Risk to Life Insurers?

When we compare marijuana use today, to usage and stereotyping in the 70s and 80s, the image of clueless marijuana smokers has faded as Americans have come to accept recreational use as a personal choice with minimal consequences. Since more than 50 percent of states have legalized marijuana use in some form, life insurance companies…

Life Insurance for Marijuana Smokers FAQs

If you are a marijuana smoker and curious or concerned how revealing it might affect your ability to purchase life insurance or the affect on your rates, these FAQs can provide answers to many of the questions you’re likely to have. Although marijuana smoking remains illegal under federal law, more than 50 percent of states…