Do all life insurance companies test for marijuana?

Call me at 512-963-5000 for a private consultation….I have gotten my clients ratings from preferred smoker to standard smoking rates.
Also you can run these two ratings below to see instant online rates for preferred smoker and standard smoking rates. So if you are looking to buy Life Insurance from New York Life,Metlife,Farm Bureau,State Farm,Northwestern Mutual,Primerica(Which has the Highest rates on the market),Farmers OR any other company why pay more than you should.
Scott

Instant Life Insurance Quote
State:
Birthdate:
Gender:
Smoker/Tobacco:
Health Class:
Type of Insurance:
Face Amount:
Your Name:
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Call me at 512-260-0856 for a private consultation….

 

American General – 2X/yr not a concern, OK at PBNS; up to 2X/month SNS; more than
2X/mo possible rating and tobacco rates; medicinal use must be documented in APS w/
underlying condition for the Rx and rated for cause
Assurity—Std Smoker, up to 1X/day
Aviva—occasional MJ use, up to 8X/mo, OK in Prfd N/S classes; Rx will depend on cause
AXA—Standard Tobacco for up to 2X/week; more frequent T2; Rx daily use T2 (individual
consideration for better)
Banner – admitted occ use is Std Smkr (including ingestibles); admitted daily use T B;
unadmitted use T B; medicinal Std to T B, depending on frequency
Fidelity—recreational use up to 3X/mo is Std Tob; any use in past 12 mos Std Tob; Rx rated
for cause
Genworth – use 8X/mo is StdSmkr; more than that would be rated, depending on frequency;
>16X/mo is decline; Rx use is not recognized—rated same as non-Rx
ING – PrfdSmoker A25+, w/ use up to 8X/mo; T2 for 8-16X/mo; decline for more frequent; Rx
usually T4, and only allowable w/ chronic pain, epilepsy or MS, plus rate for cause
John Hancock – Standard Smoker; Rx treated no differently and amount of use will determine
rating
Lincoln Benefit—occ use is StdSmkr; medicinal MJ use considered as non-tobacco if
ingested, and not smoked–must be admitted on app and documented and rated for cause–
usually min T4
Lincoln National – Standard Nonsmoker up to 2X a week; Table B for 3-4X, decline for more
than 4X
MetLife – 1X/week non-smoker; up to 3X/week StdSmkr; >3X.week T2 or worse; Rx is
StdSmkr unless cause is rateable
Minnesota Life— occasional/recreational OK at PNS; if HOS+, then smoker T3; daily use
usually a decline; Rx use generally T3
Mutual of Omaha– SNS up to weekly—and HOS reflects same; if more frequent use or HOS
level indicates more frequent, then Smoker rates will apply; Rx will rate for cause, but min T4
generally
Nationwide – Standard Smoker; Rx is rate for cause, then follow SwissRe for Rx MJ
North American—Standard Tobacco; Rx use T4 and up
Principal—Standard Tobacco—recreational or medicinal, frequency plays a factor, and
guideline allows up to 8-10X/mo at Std, >8X/ mo would be rated; daily Rx would more likely
be rated for the impairment more so than the MJ use
Protective—Standard Tobacco; ingestibles tob rates as well
Prudential –For up to 2X/mo, and neg HOS can offer SNS+; for up to 4X/week, can offer N/S
Table B (and don’t have to show negative); for >4X/week they decline; Rx use is rated for
cause—if no other narcotics, can go up to PBNS, depending on cause
RBC Liberty – Standard Smoker
SBLI – typically Standard Smoker to Table 3; for non-smoker consideration, use must be
determined to be extremely rare—once or twice/year; Rx would be rated for cause on smoker
rates
Transamerica – always Smoker rates; if rare and occasional, could be PrfdSmkr

 

Marijuana Life Insurance

Marijuana use is and has been prevalent in the United States for a very long time. It is the most widely used of all recreational drugs today, and is used by people of all walks of life. Its active chemical, commonly known as THC has been proven to help those with rheumatic diseases, ocular conditions or certain mental illnesses and is a known relaxant.

Whatever your stance is on the use of illegal drugs, it is likely that at some time in your life you have encountered marijuana, and for many it remains a concern when applying for insurance…

Does the use of Marijuana make me ineligible for life insurance?

If you use marijuana, you may be a little concerned about taking the required exam to get term life insurance fearing that if marijuana use is detected, you may be ineligible for coverage.

Fear not.

Marijuana use, by itself is not something that will make you ineligible, but it is something that is tested for.

Of course, the results of the test may come back negative, but the questionnaireS will probably also ask whether you have used any illegal drugs in the past five years.

If the answer is yes, again, you should be able to qualify for life insurance.

If marijuana shows up in your blood test, the chances that you will be able to qualify for the most desirable rating class are somewhat diminished, and if they show up not all at (but you answer “yes” to the question about marijuana use) your chances are diminished somewhat .

Will I get a smoker’s rate if I use or have used marijuana?

Each life insurance company follows different guidelines, but generally, you will not be charged smoker’s rates for life insurance if you have used or are currently using marijuana.

If my life insurance blood tests positive for marijuana use, will this information be reported to law enforcement or the government in any way?

No.  By law, your medical records are protected.

The report will go to the MIB, but you give your consent to this when you fill out the life insurance application.

The MIB stands for Medical Information Bureau, and it is a non-governmental agency which provides services to health and life insurance companies across the U.S.

The information submitted to the MIB is not accessible to the government.

Is there any way to get life insurance without taking a blood test?

Yes!  There is something called No-Exam life insurance which does not require an exam of any kind.

Depending on the amount applied for and whether they require a blood test for that amount they will. The question about drugs is always on the application regardless of amount so if you were to answer honestly (suggested) they would know. In some cases you are simply rated as a smoker. Other companies may decline you. I suggest you work with a broker who knows what to look for in a company.

13 thoughts on “Do all life insurance companies test for marijuana?”

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  2. Without a doubt, your life insurance quotes will soar if you smoke a pack of Marlboros a day.

    But what if you occasionally smoke shisha at your favorite hookah lounge, or break out the cigars on poker night? Do you dare tell a life insurance agent that you smoke pot?The distinction between “smoker” and “nonsmoker” for a life insurance application gets hazy beyond the standard cigarette.

    “If we interviewed underwriters at 10 to 20 different insurance companies, we’d get 10 to 20 different answers,” says James Miles, a consulting staff fellow with the Society of Actuaries in Schaumburg, Ill.Even in a single insurance company, the rules for who is and isn’t a smoker might be different, depending on the type and amount of insurance you want to buy, Miles says.

    Life insurance companies began using “smoking” rates in the 1970s after the release of the original U.S. surgeon general’s report on smoking and health. Generally, life insurance companies assume alternative forms of tobacco and nicotine are as risky as cigarettes until there is strong evidence showing otherwise, Miles says.

    Once a policy has been issued, insurance companies can’t back out if they’ve made the wrong decision, except in cases of fraud by the applicant. That’s why they base rates on hard data, which take time to accumulate.
    It’s not your father’s cigarette

    Smoking the hookah, a Turkish water pipe, has grown popular at trendy hookah bars across the country. Although the experience is a lot hipper than chain-smoking cigarettes at the bowling alley, it counts as tobacco use for a life insurance application. So, you’ll likely be rated a smoker, especially if you’re a frequent hookah user. The same goes for standard pipe smoking.

    Life insurance application questions vary among insurers, but they get specific when it comes to tobacco. One insurance company application asks: “Have you ever used tobacco or any nicotine product in any form?” If the answer is “yes,” the application asks for details, including the type of product, when you last used it and how frequently you use it.

    Electronic cigarettes — battery-powered, nonflammable devices that look much like regular cigarettes — don’t contain tobacco. Instead they deliver nicotine in a vapor that users inhale.

    The products don’t produce secondhand smoke or deliver some of the nasty chemicals that burning cigarettes do. But health officials still worry about their safety. Life insurers are likely to view them with caution until studies show they’re safe, Miles says.
    Definitions of ‘smokers’

    Some insurers are more lenient than others.

    “Some companies don’t allow any tobacco or nicotine use in the last five years for you to be rated as a nonsmoker,” says Michael Silverman, president of the Gloron Agency Inc., an independent insurance brokerage in New York. “For others, it’s the last 12 months, and some will rate the occasional cigar smoker a nonsmoker.”

    That’s one of the reasons it’s so important to shop around when you’re buying a policy.

    Bob Garrison, president of Insurance Connection USA, an independent agency in Denton, Texas, says he hasn’t encountered any hookah smokers in Texas ranch country. But a number of small life insurers in Texas rate cigar smokers and those who chew tobacco as nonsmokers. The rules vary among companies regarding how frequently you can smoke cigars and still qualify for the best rates.

    When life insurance rates go to pot

    Pot smokers might be able to honestly answer “no” when the application asks if they use tobacco, but they’ll still have some explaining to do about drug use. The life insurance industry considers marijuana use a risk because of its potential to lead to harder drugs, Miles says.

    “It’s not necessarily a reason to decline, but it would certainly raise a red flag,” he says.

    Silverman says some life insurance companies reject applicants who smoke pot, and others quote them smokers’ rates.

    Some marijuana users get scared when they see the drug-use question and decide not to apply, says Allen St. Pierre, executive director of NORML, a nonprofit group that advocates the legalization of marijuana. Some of those who proceed with their applications are declined or quoted high rates because of their marijuana use.
    Getting better rates no matter what you’re smoking

    Regardless of what you smoke, your best bet is to consult an independent life insurance agent who sells products from a variety of companies and knows which insurers are most likely to approve your application and offer you the best rates. Look for agents who have deep experience working with clients who smoke.

    Fudging the truth is a bad idea. The life insurance medical exam can show you lied, and even if you pass the lab tests, the insurance company can later refuse to pay out on a policy if it learns you misrepresented information on your application.

    “Be straight because nothing good can come of it if you lie to an insurance company,” Silverman says.

  3. I am about to take out a fairly nice sized life insurance policy and my broker tells me they will be collecting urine and blood. I know they are testing for nicotine and drugs. I am an occosasional smoker of marijuana and cigarettes.

    Can somebody give me an idea of how long I need to stay clean from each kind of smoke so that I don’t bet smoker rates?

    Thanks!!!!

  4. Depending on the amount applied for and whether they require a blood test for that amount they will. The question about drugs is always on the application regardless of amount so if you were to answer honestly (suggested) they would know. In some cases you are simply rated as a smoker. Other companies may decline you. I suggest you work with a broker who knows what to look for in a company.

  5. Hello everyone…

    My stats:

    30 y/o male. 175 lbs and just under 6 ft. Fairly regular user over the past 10 yrs or so. No tobacco use in years and no known health issues.

    My situation:

    Never had to worry about testing before for any reason. Last usage was yesterday evening. I’m due to take an exam (blood, urine) for a life insurance policy next Tuesday – 8 days from now. Scheduled the test as far in the future as possible while avoiding questions. My brother is the agent so I am somewhat obligated to buy a small policy. Because the test has no bearing upon employment (this is between me and the insurance company) I’m not freaked as I otherwise would be. But I’m concerned as the results WILL BE written down somewhere and that the premium will be affected.

    My questions are obvious: Does anyone know if a typical life insurance exam tests for THC metabolites? What steps shall I take to minimize the chances of being burned? Dilution and prayer seem to be the advice given to people in my situation. Am I missing anything? Is honesty the best policy with these people? What pre-emptive activities should I concentrate upon over the next week? Substitution is out of the question because my crew is in as deep as I am and I’d rather not solicit a urine sample from people outside of my circle…you understand.

    Incidentally, a friend of mine who works in healthcare finance says that most of the time insurance companies don’t test for drugs unless otherwise directed to do so because of the cost involved. Does that sound correct?

    As a last ditch solution, I could call next week and tell them I’m sick (I doubt that they would want to deal with me under those conditions). That could probably buy me a few days but no more.

    Thanks in advance.

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  8. Jennifer Pelham* kicks off her black Marc Jacobs pumps, slips out of her trim Theory blazer, and collapses on the couch. The 29-year-old corporate attorney for one of Manhattan’s top law firms has just clocked another 12-hour day, and though it’s over, she’s having a hard time shaking off her frustrations. (A partner had eviscerated the contract she’d drafted, then left before Pelham had a chance to explain herself.) Still distracted, Pelham orders dinner—sushi, as usual—then reaches for a plastic orange prescription bottle standing on the corner of her coffee table alongside a glass pipe and blue Bic lighter, just as the cleaning lady left them. She twists off the cap, pinches off a piece of the fragrant green bud inside, gingerly places it in the bowl of the pipe, and lights up. Over the next 30 minutes, she takes three deep drags, enough to drown out the noise whirring in her head. Then she eats.

    “I hate the term pothead—it connotes that I’m high 24/7, which I’m not,” Pelham says, wincing. “I don’t need it to get through my day. I just enjoy it when my day is over.” Her nightly ritual costs only $50 a month, a pittance compared with the cost of her monthly gym membership or a Saturday night out with her fiancé, an investment banker, who occasionally smokes with her. At 5’4″, slim and athletic—she ran three miles a day while in law school—Pelham insists that pot is the ideal antidote to a hairy workday: It never induces a post-happy-hour hangover and, unlike the Xanax a doctor once prescribed for her anxiety, never leaves her groggy or numb. “Look, every female attorney I know has some vice or another,” Pelham shrugs, tucking her long brown hair behind her ears, her 3-carat cushion-cut engagement ring catching the light. “It’s really not a big deal.”

    Most of us know someone like Jennifer Pelham, a balls-to-the-wall career animal whose idea of decompressing after a grueling day isn’t a glass of Chardonnay but a toke (or three) of marijuana—not just every now and again, but on a regular basis—the type who stashes a pack of E-Z Wider rolling paper in the silverware drawer or keeps a pipe at the ready next to a pile of bills. According to a recent study by The Substance Abuse and Mental Health Services Administration, an estimated 8 million American women smoked up in the past year—a lowball figure that reflects only those willing to cop to it. Among them is the upper-middle-class Pottery Barn set: One in five women who admitted to indulging in the previous month lives in a household earning more than $75,000 a year. They cut a wide swath across the professional spectrum, including lawyers, editors, insurance agents, TV producers, and financial biggies, looking nothing like the blotto hippie teens of Dazed and Confused or the unemployed, out-of-shape schlubsters who are a staple of the Judd Apatow canon. By all outward appearances, they are card-carrying, type A workaholics who just happen to prefer kicking back with a blunt instead of a bottle.

    “I love to have a glass of wine now and again, but going out and downing sugary cocktails isn’t fun for me. And drinking is so much more expensive,” says Debbie Schwartz, a 28-year-old reality-show production manager who recently moved to New York from Los Angeles. Her job is relentless—15-hour days spent coordinating a million moving pieces, managing expenses, setting production schedules, and mollifying gimme-gimme talent. Her company just slashed her budget in half, which has left Schwartz scrambling to cut costs so that she won’t have to lay off employees. After work, she can’t think of anything she’d rather not do than throw on a pair of heels and some makeup to hit the local bars. “I’ll go to the gym for an hour, then come back home and smoke a joint while I listen to jazz and read a book—I just finished The Fountainhead. It’s my moment for myself before I have to get up and do it all over again tomorrow. It’s my bubble bath,” Schwartz explains. She doesn’t keep her illicit habit under wraps, either. There’s no need, since several people in her office use the same “dealer”—a colleague who takes orders for their department.

    If Schwartz’s example proves anything, it’s how ridiculously easy it is to procure pot these days. In some cities, it’s as simple as ordering a pizza, delivered right to the door.

    Read more: Female Stoners – Women Pot Smokers – Marie Claire
    Not when you consider that marijuana has already been decriminalized in 13 states. In cities like Boston and Denver, small-time pot busts are minor offenses on a par with parking violations; first-time offenders earn a token fine—$100 or so—and a talking-to from law enforcement. In California, where the distribution of marijuana for medicinal purposes was legalized in 1996, some 31,000 residents carry cards that make purchasing locally grown weed from any of the state’s estimated 500 dispensaries as easy as filling a prescription at the local pharmacy. Abuse of the system is rife: “Everybody has a friend who has a card,” says Gabrielle Doron, a 29-year-old L.A.-based event planner. “My friend will call me up and say, ‘I’m going to the store, you want anything?’ It’s just not very hard to get.”

    Nor does getting high carry the same social stigma it did in the Reagan-era “Just Say No” heyday—back when smoking a joint was the de rigueur “special episode” of countless family-friendly sitcoms. “When I was in high school, there were certain behaviors associated with pot: promiscuity, not being career-minded, not wanting a relationship,” says Schwartz. “My mom told me that people would lace pot with PCP and that I’d get hooked, or that I’d get the munchies and get fat.” All baloney, Schwartz learned once she became a bona fide pothead eight years ago. She even managed to drop 25 pounds despite smoking regularly. Her secret: She eats a healthy meal right before she smokes, which seems to curb her appetite. “The munchies are absolutely something you don’t have to get into,” Schwartz maintains. “Of course, the desire to eat is always there. But even when I’m not smoking, I still want a cupcake.”

    Another myth debunked by pantsuit-clad pot lovers: that devotees hole up in their apartments in a thick cannabis stupor, blowing off friends and social commitments. “I almost never smoke alone,” says 28-year-old Gina Bridges, a grants administrator for a Seattle-based nonprofit. Bridges sometimes hosts low-key dinner parties with her husband and friends, punctuated by dessert and bong hits. (She stopped smoking when she recently became pregnant.) “Alcohol makes you feel more social, but weed works in a different way. You’re quieter, more contemplative. My friends and I get more in depth about specific issues,” she says. What’s more, Bridges says sex was much better when she was high, helping her to shed her inhibitions. “Sometimes I’d wonder, Am I doing the right thing? Am I getting him off? When I smoke, it’s all about me. I’m not worried so much about what he’s thinking. And it helps him enjoy it more, too, because I’m not psyching myself out,” she says.

    But there are caveats. Some health experts say long-term pot users, like cigarette smokers, are at increased risk for lung and neck cancer. (Actual evidence proving a causal link between cannabis and cancer is scant, however.) And thanks to technological advances in cultivating weed—hydroponics, genetic manipulation—the strains available on the market today can be five times as potent as they were in the ’70s and that much more addictive, according to antidrug crusaders. (The addictiveness of marijuana is a highly controversial subject; alcohol boasts a higher rate of addiction than cannabis.) Furthermore, while it is the most widely used controlled substance in the country, marijuana remains illegal in the eyes of the federal government—in the same class as LSD or heroine—regardless of state laws that regulate its usage. More than 90 percent of Fortune 500 companies, including American Express, General Electric, and Goldman Sachs, subject job applicants to drug tests that, among other things, probe for THC, the psychoactive component in pot. Get caught with it in your system, and it’s game over.

    Last year, Rachel Murphy, a 36-year-old entertainment industry publicist in New York and mother of a toddler, temporarily gave up her nightly weed habit a week before taking a required urine test to secure a life-insurance policy. (She only smokes once her daughter is in bed.) Hours after the exam, she lit up. Two days later, the clinic called to say there was a glitch in the test (unrelated to drugs) and that she would have to retake it. “I was totally back on this bandwagon of smoking a lot, and I didn’t want to be bothered to have to do this again,” Murphy says. With three days until the test, she frantically called her cousin, an insurance agent herself, who advised Murphy to buy Ready Clean, a 16-ounce fruit punch that claims to flush out the THC in urine if ingested within 48 hours of a drug test. Rachel paid $50 and had the drink overnighted. “My husband was standing over me the morning of the test saying, ‘Drink! Drink! Chug it!’ I was like, ‘I can’t drink that fast.’ He said, ‘Rachel, this is serious shit. We need life insurance—we have a baby—and we can’t get it because my wife smokes pot?’” One agonizing week later, Murphy got the word that she’d passed her urine test.

    The white-knuckle experience became a major source of tension in her marriage, Murphy concedes, so she stopped smoking for a while. But it didn’t last. “I’m sorry, but I have a stressful job, I have a baby. I need to unwind somehow, and I don’t really like to drink,” she grumbles. So, while hanging out with married friends, most of whom are also parents, Murphy will occasionally join in when one pulls out a baggie and starts prepping a bowl. “I got kind of uptight,” she says of her weed-free phase. “And my husband was like, ‘Actually, I liked you better when you smoked.’”

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