TransAmerica Update

[TripleH]

Right...you can make it legal but you can't make it healthy.

Correct - I'll just go with whatever the carrier says in black and white I guess. They specifically took the time to write marijuana on their underwriting guide for a reason

 

[marc82much]

It says on page 20/24 of the underwriting guide - Marijuana use within 2 years is Graded and within 4 years is standard

So, if I used Marijuana 1 year ago, I am GRADED because it is within 2 years? Or...
If I used Marijuana 1 year ago, I am Standard, because it is within 4 years? Or am I both, or neither, or is it my choice?

 

[PA Bill]

So, if I used Marijuana 1 year ago, I am GRADED because it is within 2 years? Or...
If I used Marijuana 1 year ago, I am Standard, because it is within 4 years? Or am I both, or neither, or is it my choice?

Depends on how the meeting went that morning.

 

[bboman23]

So, if I used Marijuana 1 year ago, I am GRADED because it is within 2 years? Or...
If I used Marijuana 1 year ago, I am Standard, because it is within 4 years? Or am I both, or neither, or is it my choice?

You would have to call Transamerica and ask. If you do not get the answer you want, call back in and you will get a different answer!

 

[Todd King]

So, if I used Marijuana 1 year ago, I am GRADED because it is within 2 years? Or...
If I used Marijuana 1 year ago, I am Standard, because it is within 4 years? Or am I both, or neither, or is it my choice?

Read it as Standard if you have used within 4 years, but go to Graded if you've used within the last 2 years

 

[Life Hawk]

What does Illinois have todo with it?

Most of us here are confused. The ones that aren't have already moved out of the state.

 

[Life Hawk]

***IF IT IS NOT LISTED, IT DID NOT CHANGE***

Hmm... have you worked with these guys very long.

I've called in the same day on the same case and received two different answers.

 

[TripleH]

So, if I used Marijuana 1 year ago, I am GRADED because it is within 2 years? Or...
If I used Marijuana 1 year ago, I am Standard, because it is within 4 years? Or am I both, or neither, or is it my choice?

hahaha guess it's up to you

 

[TripleH]

Hmm... have you worked with these guys very long.

I've called in the same day on the same case and received two different answers.

Only 5 years - happy to be done with paper apps! But yes, they are an interesting carrier and must have a relatively high turn over rate - I always call back and make sure I get a more seasoned rep to talk too. I control the conversation and general tell them what needs to be done LOL

 

[NSRH]

All these underwriting questions are hilarious. Ya'll know they will in some cases still issue an amendment even if you do everything right, right?

My advice... find a better carrier.