Having trouble finding affordable life insurance with a history of or current use of Marijuana?
The good news is there is hope.
At High Risk Life Insurance Agency, we specialize in “high risk” life insurance.
Our 2 Minute Promise
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with a history of or current use of Marijuana? And if so…
2. How much will it cost?
Can People Who Have a history of or current Use of Marijuana Be Approved for Life Insurance?
Yes, most individuals with a history of or current use of Marijuana will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
Best Case Scenario – If there is history of Marijuana use, the substance is no longer detected in the blood and there are no more symptoms or complications of cognitive or motor impairement then most cases have a “Standard” or “Mild Substandard” rating. Click here for quote at “Standard” or “Mild Substandard”.
Moderate Case – Those with complications such as mild memory impairement, breathing problems or mental disability, but whose symptoms are non-debilitating may still qualify for a “Medium Substandard” health class. Click here for a quote at “Medium Substandard”.
Severe Case – With severe and recent complications such as psychosis or problems with the liver or lungs, the best approval you may obtain is at a “Severe Substandard” rating or in worst cases, a decline. Click here for a quote at “Severe Substandard”.
You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
If you’re unsure which of the above health cllasses to quote yourself at (Standard, Mild Substandard, Medium Substandard or Severe Substandard), please see the questions below:
How many years have you been with a History of or Current Use of Marijuana?
A history or current use of Marijuana is very important to be disclosed as honestly as you can because it will help determine the extent of the adverse effects of the substance use. In cases of mild use, you have a good chance at a “Standard” or “Mild Substandard” rating. If, however, you do not disclose Marijuana usage and the laboratory results show it, you might be given the “Severe Substandard” rating or worst a decline.
Have you experienced any symptoms within the last six months?
Symptoms of mental confusion, memory loss or breathing difficulties may be flare signs of worsening side effects of long term Marijuana use and may get you a “Moderate Substandard” or “Severe Substandard” health class. Signs of schizophrenia, however, may get you an automatic decline.
You might also be interested in reading this articles “Life Insurance Approval with Cocaine Usage History”
How much Marijuana are you taking and what for?
If Marijuana use is therapeutic, meaning to aid in the symptoms of increasing intraocular pressure or for appetite boost, then you may qualify for a “Mild Substandard” or “Medium Substandard” rating. But, if you are taking recreational use of Marijuana, the amount you partake will help determine the appropriate rating for you.
If you are using Marijuana twice a month or a maximum of only once a week, you may qualify for the best rating at “Standard”.
Do you have other medical conditions?
If you have other medical conditions like mental or physical incapacity, whether it is a secondary complication of Marijuana use or not, you will have to undergo a more thorough medical evaluation to determine the most appropriate health class.
If you are still unsure which rating class you fall under, we suggest getting a life insurance quote at multiple substandard ratings, so you can familiarize yourself with the range of substandard premiums.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page.
If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of a History of or Current Use of Marijuana
Marijuana is from the flowers and leaves of the Cannabis sativa plant, which contains delta-9-tetrahydrocannabinol (THC), a strong psychoactive substance. Among its many mode of uses, smoking and hashish are the most common.
Marijuana use has both psychologic and physiologic effects, and they are now classified as recreational or therapeutic. The effects of Marijuana use depends on the amount taken, but whether in small or large doses it causes impairement in memory, thinking, perception and psychomotor abilities.
Among the therapeutic uses of Marijuana include its antiemetic effects especially for people undergoing chemotherapy, intra-ocular pressure reduction in patients with glaucoma and appetite stimulant for AIDS victims.
As with other drugs and substances, prolonged Marijuana use may result to addiction and intoxication. In these cases psychotic symptoms are observed as it is with schizophrenia.
Symptoms related to marijuana use include rapid heart beat, chest pain in people with coronary problems and breathing difficulties.
See all our other articles on Drug and Alcohol Use and Click Here!