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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…

Banner Life Insurance and Marijuana Use

Banner Life Insurance Company is one of the few marijuana welcoming life insurers. Even though you will discover “marijuana friendly” has a relatively informal definition among life insurance companies. While Banner Life and marijuana are suitable, it depends on how often you smoke it. We have found that Banner Life Insurance and marijuana use go…

Will Life Insurance Test for THC

Although state after state has legalized some form of marijuana use, according to the Federal Government, it is still an illegal substance. The difference between federal laws and state laws has created significant concerns for people who use marijuana either medicinally or recreationally. If you use marijuana and are considering purchasing life insurance, it’s very…

Life Insurance for Medical Marijuana Users

Although marijuana use in any form remains illegal under federal law in the United States, many states have legalized its use for valid medicinal purposes. There are controls in each state that allow medical marijuana use and a list of specific conditions that must be presented before it can be prescribed by a doctor. To…

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…