Jul 12, 2016 9:15 AM

Life Insurance for Heavy Stoners

Almost half of the population of America claim that they have tried marijuana at least once in their lives. Today, the heaviest consumers of marijuana are people at the age of 18-29. It happens so that at this age, most people start thinking about their future. For many Americans, a safe future for their family means life insurance. However, is it possible to get insurance if you are zealous about cannabis?

Despite the numerous cases of legalization and decriminalization of cannabis, it is still generally considered to be illegal. This approach is especially accepted among the insurance companies that work on an international scale. However, the attitude of insurance companies towards marijuana largely depends on how often you smoke weed.

You may not know it, but most companies in question work according to the rule of “2 X.” This rule means that the insurance is available for people who consume weed no more than two times a year. Well, this is good news for people who like to enjoy a rare smoke on a special occasion or treasure it as an old connoisseur treasures their cigars.

Marijuana-Friendy Insurance Companies

Unfortunately, if you like to consume marijuana at least on a monthly basis, you need to look for the companies that tolerate such regular use of weed.

As far as we know, there are only three insurance companies that will suit heavy users.

The first of them is Lincoln. This company is ready to tolerate the use of marijuana that does not exceed two times per week.

Met Life allows a little less euphoria time—you can smoke only once a week.

The last but not the least on our list is the company called Mutual of Omaha. Like Met Life, this company can give you standard life insurance if you smoke not more than once a week.

Though it may seem that Lincoln is the winner of our “top three,” the company leads only in the frequency of your cannabis consumption. The desired company for every stoner would be Met Life because it provides the best insurance if you are otherwise healthy. Besides, the other two companies are more expensive.

Note that the described rule applies to both recreational and medical marijuana use. However, if you have a condition that requires marijuana treatment, the disease itself can change your health classification.

Also, there are cases when people use marijuana recreationally but still have a prescription for it. And if you do not suffer from the listed condition, the company will dig into it and find the truth, so you have to be careful.

Insurance Fraud

However, the statistics say that most marijuana users do not get rejected when applying for life insurance. The reason is they simply do not disclose their close relations with marijuana. Many people prefer delaying the date of their application and staying away from weed for some time. Some marijuana enthusiasts even manage to forget about their avocation for a month or two for their test results to be completely clean.

Considering that tests mostly use your urine samples, many people are bothered with the question “How long does THC stay in urine?” MJWellness found an answer to this question and many other aspects of passing a drug test.

How To Pass A Urine TCH Test?
How To Pass A Urine TCH Test?
The amount of time your body retains traces of marijuana depends on a number of factors, including how often you smoke and your metabolism rate. These factors and the frequency of smoking are key to finding out how long does the THC stay in urine.

We would recommend disclosing your use of marijuana because insurance companies can deny your claim if they find out that you provided untruthful information when applying for the insurance. This can be the case for the first two years, and if you die during this period, your insurance company has every right to refuse to pay if they find out about your marijuana use. Although this scenario is highly unlikely, the situation is still possible. So, if you want to protect your family, do it right.

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