You could be holding back from buying life insurance because you’re using medical marijuana.
You get the chance to buy life insurance with little to no rating increase. The underwriting practices involved in applying for a policy are changing significantly because the legality of using marijuana has hit new territories.
Life insurance for marijuana smokers can be obtained from the large amount of different insurance carriers, but it’s likely you’ll need to speak with an independent agent first to be sure you are applying with the proper companies. Not totally all companies have the same guidelines, so one company might provide you with a better policy than the next.
There are many things that your insurance companies will be trying to find when you apply for marijuana life insurance. The amount of times you utilize marijuana on a certain day, week or monthly schedule will probably be described as a big factor. Also, the total amount of THC which is actually in your blood stream can count for or against you as well.
In the event that you pass what the insurance company is trying to find in terms of the marijuana, you’ll still be needed to medically qualify for the coverage just as some other person who’s applying. Buy weed Italy You’ll have to have a clear driving record, a good medical history, and a reason for the insurance.
Just make sure to tell the carrier on your daily life insurance application that you’re a consumer of marijuana. By telling them up front, you’re increasing your opportunity for coverage for marijuana users. They’ll likely ask you about your prescription. By telling them the maximum amount of information as you can up front, and being honest about everything, you’re prone to get a good rating.
The rating you can expect mostly depends on your present level of good use, along with the main reason you’re using. Your medical condition which is requiring your use, your medical condition will probably be described as a big determining factor about what your rating is going to be, as well as the utilization of marijuana as a substance.
You can sometimes obtain a preferred rating if you select the proper company and the proper policy, however, not always. Depending on your own level of good use, you could get a smoker rating, which is identical compared to that of someone who uses tobacco products like cigars, cigarettes, etc.
Just be sure you are applying with the proper company and you’ll likely have no problems getting life insurance. If you have questions, there are many resources open to those who find themselves seeking life insurance with marijuana as a consideration.