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You've spoken to an underwriter who will not rate up someone 6 years removed from a heroin hospitalization? And is a current weed user... Somehow I don't think a standard rating is in the cards here.
Please check and let me know what you find out. I would bet a table rating or a very high premium for the coverage. That's a lot for an insurance company to overlook in underwriting. Hospitalization for drug use and continued drug use? You're certain he's even underwritten in this case?
I'm talking about the pot smoking. Foresters is non tobacco for pot smoking if they don't also smoke cigarettes.
I said in my first comment about this that Foresters would have more problem with the drug use history than the pot.
And no I have not called an underwriter about someone else's case. Nor will I.
Just to clarify, you said this to me, "Except don't most insurers still consider smoking weed as smoking?"
To which I replied, "Foresters does not".