Before, marijuana users tended to have difficulties getting life insurance coverage. However, times have changed. Nowadays, you can actually find insurance companies offering life insurance for marijuana users. You might be charged higher premiums. But, there are ways to eventually be charged non-smoker rates.

When you apply for life insurance as a marijuana smoker, the insurance company will probably require a medical exam before issuing a policy. The examination is basic. They require your height, weight, medical history and blood and urine testing. Therefore, it is essential that you disclose marijuana use on your application since it can be detected in your system. If the insurance company discovers that you answered untruthfully, you will be declined.

Explore our site to learn more, get online life insurance quotes for smokers, and even apply online. You can also order our special report, The 420 Life Insurance Consumer’s Guide to Life Insurance, to learn everything you need to know about choosing a plan and getting coverage.

Insurance companies have different underwriting policies. Some insurance companies might be very strict when it comes to marijuana use or smoking. Others are very lenient and they may even charge you non-smoker rates. It does not mean that if one insurer denies you coverage, the next one will deny you too.

Shopping now is made easier with the internet. You can research companies and their policies regarding marijuana use. Shopping via the internet is the fastest way to see which companies cater to marijuana users and smokers. You simply need to fill out a quick application form and you will receive your projected premium in minutes.

It just takes a few moments to get multiple quotes, but your savings will last month after month. If you have questions or would like some assistance choosing a plan, just give us a call. Consultations are free of charge and we treat your information with complete discretion.

If insurance companies see that you have been abusing marijuana, expect that they will decline your application. However, if you are just an occasional marijuana user and that is also reflected on your tests, there are insurance companies that will agree to cover you.

If you don’t like needles, you can instead sign up for our No-Med Option. With this plan you simply answer six to eight quick questions, and get instant approval. However, rates are a little higher on this plan, and the maximum coverage is $200,000 or $250,000 for those under the age of 40.

The process is easy. Simply choose how much coverage you want, and run a quote. Once you choose a plan, just print out the application, fill it out, and fax it to us. All information we receive is treated with the utmost privacy, and is transmitted directly to the insurance company.

There are other options that the coverage companies provide, namely the smokers life insurance policies. If you were to quit smoking and remain that way for at least a year, then you might be eligible for insurance protection in the non-smoking category, which is cheaper. If you want to get the lowest term life insurance smokers rate, then you will need to slowly start getting rid of your smoking habit and live a healthy lifestyle to see your rates go down. Market experts have estimated that smokers do indeed end up paying about 90% more on premiums when compared to their non-smoking counterparts.

Life insurance for smokers differs from person to person, depending on what they smoke. A person smoking an expensive cigar would be billed in a different way compared to a regular cigarette smoker.

All you need to do is find details about a smokers life insurance policy and check if it meets your requirements. You can do that right here on our website. We have found a few companies that will rate you as a non-smoker, even if you use marijuana a couple times a week. With us you will receive expert advice, along with total privacy and discretion. We believe that everyone should have access to life insurance.

Surveys have revealed that in all countries, a certain percentage of people are smokers. We all know that smoking is injurious to health, but in spite of that people are still addicted to it. Some years ago, insurance companies charged a higher term life insurance smokers rate than a non-smoker due to their expected health hazards. Initially, it was difficult to get smokers life insurance. But now the problems are solved. With the introduction of life insurance for smokers by many companies, it is now quite simple to acquire life insurance.

These days, most of the companies are offering people who smoke similar rates and benefits of non-smokers. This is because most of the insurance companies are working for the betterment of society. Life insurance for smokers has come as a big relief to them. With passing time, more companies have started proposing cheaper life insurance for smokers.

If you are looking for smokers life insurance, then you could start here on our website. Our system will instantly show you online life insurance quotes for smokers available in your area. Visit our FAQ section to get answers to your questions. If you can’t find the answer you are looking for, you can call us for a confidential and private consultation free of charge.

If you have been a smoker, you can save money on your life insurance just by quitting smoking. Not only will it reduce your premiums, but it can also reduce your chance of acquiring potentially fatal diseases. You’ll find that most insurance companies will slowly begin to lower your rates as you move further away from the time when you did smoke.

You can also lower the cost of your life insurance by practicing other healthy habits. Eating a lot of fruit and vegetables may be one of most beneficial habits you can acquire. A daily exercise regimen, even if that’s simply taking a walk, will have a big payoff, too. When you maintain good health, it’s easy to get the lowest smokers life insurance rates.

If you haven’t shopped for coverage recently, run our online life insurance quotes for smokers. By comparison shopping, you get the lowest possible term life insurance smokers rate offered by insurance companies in your area. For questions about term life insurance for smokers, you can email or call us for a discreet and personalized consultation.

Smoking is a precipitating factor for many serious illnesses such as hypertension, cardiovascular diseases, and even cancer. Health issues such as these cost insurance companies a lot of money and as a consequence, charge smokers higher rates.

Your smoking history is the one thing that will determine how you will be classified. This might actually work in your favor. If you are not a chronic smoker, you will get lower rates than those who smoke regularly. The longer you avoid smoking, the higher your chances are of getting the lowest smokers life insurance premiums. Usually, insurance companies charge you non-smoker rates if you’ve been smoke-free for at least 12 months.

Trying to hide the fact that you currently smoke or have smoked in the past is likely to backfire because your health, or lack of it, will be reflected in medical tests. Not all insurance companies have strict medical underwriting, though. We have been in this business for decades and can help you find companies with lenient underwriting standards that might even charge you non-smoker rates. You can also use our online life insurance quotes for smokers to check which companies offer the lowest possible rates for your situation.

Unfortunately, most insurance companies deny marijuana users. Insurers view marijuana as an illegal and dangerous drug that can be addicting due to the substance THC. Smoking marijuana can increase a person’s heart rate and can lead to memory loss and other mental and health conditions. The chances of getting insured are slim simply because you increase the company’s out-of-pocket health care cost. This is not doom and gloom for you, though.

We have contracted with a select group of companies that will accept occasional users, but we have not found any company that will insure admitted daily users. You may not qualify for the lowest rates available, either. Even if you deny use of marijuana, you need to undergo a blood test administered by the insurance company that will measure your THC level.

You can check out our FAQ section and our How To Choose page to learn more about life insurance for marijuana users. You can also run our instant insurance quotes to compare rates and coverage from different insurance companies in your area. We have loaded our site with educational resources to help you get the lowest rates possible. If you have questions, you can call us for a free consultation. With us you will receive expert advice, along with total privacy and discretion.

Some companies refuse to cover marijuana users simply because the drug is illegal. They reason that anyone who breaks the law is likely to engage in other risky behaviors. Other companies will offer a non-tobacco rating to customers who admit to using marijuana only once or twice a year. You will need to do some research to find an insurance company that will offer you the best deal.

One way to help cut down on your life insurance costs as a marijuana smoker is to buy the standard tobacco smoker’s policy and then stop using marijuana during the first year of coverage. After you have gone a year without any marijuana use, you can apply for a new policy or change your existing policy to reflect that you have stopped using the drug. Cutting out your marijuana use can reduce your term life insurance policy rates by as much as half.

You can learn more about term life insurance for smokers and get rates here on our website. Also, visit our FAQ page to get the answers you have been meaning to ask about life insurance rates for marijuana users. If you need further help, give us a call and we’ll answer your questions. There’s never a charge for a consultation.