The use of marijuana for medical purposes is a hotly debated topic. Opinions are split on whether prescription marijuana should be legalized. There are some insurance providers that do offer marijuana life insurance to users with or without a prescription. Smoking marijuana with or without a prescription is still categorized under 'smokers' as far as insurance companies are concerned. The rates they charge depend on individual companies. Some people may think that because they smoke marijuana, they will not qualify for life insurance.
Actually what they must do is visit online websites and search for companies that offer life insurance for smokers and see if they also include marijuana smoking under this category. If they do, then you can get coverage albeit at a higher rate. However, if you do smoke prescription marijuana that is legally permitted in some states, then you could be given non-tobacco rates. Of course, the reason for the prescription will be carefully questioned.
When you ask for a marijuana life insurance quote, you will be asked some detailed questions like:
¢ Age
¢ Gender
¢ Zip code
¢ Smoking status
¢ Current health status
¢ Past medical history
¢ Family medical history
For a person who applies for such a policy and admits to smoking prescription marijuana, the reasons will be asked. Do you suffer from some critical illness like cancer? One reason why marijuana smoking is legalized is to help patients cope with the pain they suffer when they contract certain illnesses.
There are many ways through which your consumption of marijuana. For instance, there are several types of drug tests that can detect traces of the mentioned plant. One of which is urine test. Since one can always exchange urine samples with another person, the carriers do not advise the applicants to bring their own at the day of the examination. This will be examined by the lab personnel. Hair drug test is another means of detecting pot traces. Compared to urine test, this is more reliable. Even if you have abstained from taking marijuana 90 days prior to the screening day, it remains highly possible that the results will be positive. The results will be delivered in a few days though. It is probable that it can be discovered as well through conducting tests using samples of your blood and saliva.
There are very few insurers which will not subject you to drug tests. Nevertheless, it is recommended that you do not even make an attempt of filling out the essential forms with lies. This is because sooner or later, the carrier will become aware of the discrepancies in their findings and what you declared. You will pay a most likely costly price. Either your request will be right away turned down or your plan will be terminated. Worse, the money you paid will not be refunded to you.
Under circumstances wherein you are found guilty of fraud; they have all the right to withhold any payment to your beneficiaries. Naturally, your recipients can contest the carrier's decision. In order to settle arguments such as this, there will be a due process. Your papers will be once again checked carefully by the insurance firm. In the event that it will not be resolved, it can be brought to court.
The carriers has a way of running a check on all the details you have provided in the form that pertain to your medical history and lifestyle. There is a non-profit and confidential group called Medical Information Bureau that works in northern America. As its name suggests, it holds some of the applicant's medical documents. This way, the insurer can verify if there is any inconsistency between the details the applicants presented and the medical records.
If you want cheap marijuana life insurance, you can check out term insurance policies on the Internet. Visit various websites and make a list of companies that offer such policies. Shortlist them and request quotes. Then you can compare insurance rates from these companies. Use the online insurance calculator, provide the required information and get relevant quotes for your category. You can then compare these quotes, choose a reliable company that offers affordable rates and ask them for an application. You can soon get coverage after all formalities are completed.
Article by Christopher Gonzalez who is a specialist in life insurance. If you are interested in getting more information about marijuana life insurance test, you should visit his site today as there are a lot of information that you will find useful.
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