Pot Smokers and Life Insurance

Discussion in 'Life Insurance Forum' started by STIBROKER, Mar 23, 2012.

  1. STIBROKER
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    STIBROKER Super Moderator Moderator

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    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....

    Texas Life Insurance
    Texas Term Life Insurance


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    Last edited: Aug 31, 2015
  2. BNTRS
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    BNTRS Well-Known Member

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    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! :D
     
  3. rousemark
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    rousemark Well-Known Member

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    The question on agents' minds is, "can life insurance companies tell if agents smoke it?" :laugh:
     
  4. Sheldon_G
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    Sheldon_G Member

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    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.
     
  5. chaos
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    chaos Active Member

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    Some companies give NS status for pipe and cigar smokers. I'm not sure that is exactly what they mean though...
     
  6. VolAgent
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    VolAgent Well-Known Member

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    You have read a life app right? You know that whole, fraud thing?
     
  7. jdeasy
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    jdeasy Well-Known Member

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    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.
     
  8. JRoot
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    JRoot Well-Known Member

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    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
     
  9. ikeman07
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    ikeman07 Well-Known Member

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    JRoot, thanks for the info!
     
  10. joshuapaccione
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    joshuapaccione Well-Known Member

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    :bump:and the green guy wins!
     
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