Insurance companies that sell life insurance policies conduct medical exams to test for the applicants overall state of health. These tests include urine and blood tests to detect the current presence of illegal drugs like THC or other prohibited chemicals. The underwriting team of the insurance company would then formulate the life span insurance plan on the basis of the readings obtained from the medical tests.
Based on the results, they’d first assess if the person was eligible for insurance. If he or she has been discovered to be struggling with some type of terminal illness, then a insurance company might in most probability deny life insurance to the individual. If the applicant is deemed to be healthy, then a rates of premiums would be set at a lower standard because the heal risks connected with individual are less. In exactly the same vein Smokers, those despite healthy bodies always find yourself paying considerably much higher premium rates than other healthy non-smokers.
With marijuana users, the fears become much more pronounced as lots of insurance look at the health threats to be very high. Yet all individuals should seriously consider applying for insurance due to the many obvious benefits that are included with it. To quite an extent, many THC users avoid applying forever insurance over the fear of getting prosecuted.
Do you fear being prosecuted, if tested positive for THC?
A lot of people who use illegal drugs like marijuana; cocaine, opiates, lsd etc often live beneath the fear of being prosecuted, if these were to subject themselves to get a life insurance policy. It’s prevented most of them from applying forever insurance, because of the possibility of being caught for the current presence of THC within their system while taking a drug test shop Delta 8 Cartridge. This really is definately not the reality because the insurance company is obligated to keep up client confidentiality through the Health Insurance Portability and Accountability (HIPPA) act. This act ensures your privacy and trust is not violated in virtually any manner. All individuals regardless of these drug habits should seriously consider applying forever insurance. There are many benefits to being eligible for a policy.
What does the current presence of THC mean for your life insurance prospects?
With regard to applicants who are users of marijuana, there are several options they can consider while moving in for insurance. Earlier it used to be hard for marijuana users to even become eligible forever policies. Nowadays there are many insurance companies offering life insurance products even though you have been tested positive for THC. Although it is inevitable these applicants may need to qualify for smoker’s rates while applying forever insurance.
Your premium rates for your policy also be determined by the degree and extent of narcotic use. If you should be a typical user, then it could be difficult to truly find an extensive package, which can be both affordable and offers decent level of coverage. You could find yourself paying 50 to 400 per cent a lot more than what healthy non-smokers pay on their policies. This may not be a feasible investment for all people. Even those applicants, who’ve been prescribed marijuana for medical use, will have to contend with paying higher rates when they become eligible for the policy.
For recreational users, it’d generally be advisable to quit the habit before applying for insurance. THC usually stays in one’s body for a period of 4 to 8 weeks according to your system metabolism and other related factors. It would be smart to at least watch for a period of 3 full months before applying forever insurance. This way your odds of becoming eligible for an extensive life insurance plan, gets greatly enhanced as soon as your tests for the current presence of THC come out negative.