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Reply to Pot Smokers and Life Insurance     
Old 03-23-2012, 06:12 PM   #1
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STIBROKER on Pot Smokers and Life Insurance - Insurance Forum
 
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Pot Smokers and Life Insurance Pot Smokers and Life Insurance
Seems like all the company's have marijuana smokers worried about exams.....why don't they just call me for a private consultation .....or run rates here and contact me here Pot Smoker Life Insurance Rates.......I just got a client issued standard smoker rate for testing positive......

Search terms to date....hahahaha.....


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Last edited by STIBROKER; 10-13-2014 at 05:13 PM.
  Reply With Quote to Pot Smokers and Life Insurance

Old 03-23-2012, 06:20 PM   #2
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BNTRS on Pot Smokers and Life Insurance - Insurance Forum
 
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Pot Smokers and Life Insurance Re: Pot Smokers and Life Insurance
Well well well, next time on the Insurance Pro Blog...Marijuana, can life insurance companies tell if you smoke it? Does it matter.

:::robs hands:::

Looks like we're taking the last two quarters of this year off!

------------------------------------
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  Reply With Quote to Pot Smokers and Life Insurance
Old 03-23-2012, 07:12 PM   #3
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rousemark on Pot Smokers and Life Insurance - Insurance Forum
 
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Pot Smokers and Life Insurance Re: Pot Smokers and Life Insurance
Originally Posted by BNTRS View Post
Well well well, next time on the Insurance Pro Blog...Marijuana, can life insurance companies tell if you smoke it? Does it matter.

:::robs hands:::

Looks like we're taking the last two quarters of this year off!
The question on agents' minds is, "can life insurance companies tell if agents smoke it?"

------------------------------------
Forget the health food. I need all the preservatives I can get.
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Old 03-26-2012, 01:36 PM   #4
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Pot Smokers and Life Insurance Re: Pot Smokers and Life Insurance
If you tell the agent or anyone during the medical underwriting that you smoke pot then you will be quoted at smoker rates.
If you don't tell anyone about it and your blood /urine is clean then you won't get smoker rates and it wont be on a record anywhere.

Hope that helps.
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Old 03-26-2012, 02:01 PM   #5
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Pot Smokers and Life Insurance Re: Pot Smokers and Life Insurance
Some companies give NS status for pipe and cigar smokers. I'm not sure that is exactly what they mean though...
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Old 03-26-2012, 02:04 PM   #6
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VolAgent on Pot Smokers and Life Insurance - Insurance Forum
 
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Pot Smokers and Life Insurance Re: Pot Smokers and Life Insurance
Originally Posted by Sheldon_G View Post
If you tell the agent or anyone during the medical underwriting that you smoke pot then you will be quoted at smoker rates.
If you don't tell anyone about it and your blood /urine is clean then you won't get smoker rates and it wont be on a record anywhere.

Hope that helps.
You have read a life app right? You know that whole, fraud thing?

------------------------------------
You can pay the premium or you can own the loss.
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Old 03-26-2012, 02:52 PM   #7
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Pot Smokers and Life Insurance Re: Pot Smokers and Life Insurance
I haven't written a Foresters term in several years, but they used to give pot smokers non tobacco rates on the simplified issue and on the fully underwritten.

You had to discloe the pot smoking on the app, but it wasn't rated or declined.

Might want to check with them and see if they still do that.
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Old 03-26-2012, 04:17 PM   #8
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JRoot on Pot Smokers and Life Insurance - Insurance Forum
 
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Pot Smokers and Life Insurance Re: Pot Smokers and Life Insurance
Originally Posted by Sheldon_G View Post
If you tell the agent or anyone during the medical underwriting that you smoke pot then you will be quoted at smoker rates.
If you don't tell anyone about it and your blood /urine is clean then you won't get smoker rates and it wont be on a record anywhere.

Hope that helps.
NOT true. There are several companies who allow use of marijuana and will offer Standard non-smoker rates.

For those interested, I wrote an article last month that mentions some of these carriers:
How Life Insurance Companies View Marijuna Smokers | Individual Life Insurance | Root Financial

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Old 06-20-2012, 07:14 PM   #9
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Pot Smokers and Life Insurance Re: Pot Smokers and Life Insurance
JRoot, thanks for the info!
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Old 06-20-2012, 07:45 PM   #10
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joshuapaccione on Pot Smokers and Life Insurance - Insurance Forum
 
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Pot Smokers and Life Insurance Re: Pot Smokers and Life Insurance
and the green guy wins!
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