Insurance firms 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 presence of illegal drugs like THC or other prohibited chemicals. The underwriting team of the insurance company would then formulate living insurance policy on the basis of the readings obtained from the medical tests.
Based on the results, they’d first assess if the person was eligible to receive insurance. If he or she has been discovered to be experiencing some kind of terminal illness, then a insurance company might in every probability deny life insurance to the individual 1000mg THC Cartridge 1ml. If the applicant is deemed to be healthy, then a rates of premiums could be set at less standard because the heal risks related to individual are less. In exactly the same vein Smokers, those even with healthy bodies always wind up paying considerably higher premium rates than other healthy non-smokers.
With marijuana users, the fears become even more pronounced as lots of insurance consider the health problems to be very high. Yet all individuals should seriously consider applying for insurance because of the many obvious benefits that are included with it. To quite an extent, many THC users keep from applying forever insurance over worries to 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 to be prosecuted, if they were to subject themselves to get a life insurance policy. It has prevented many of them from applying forever insurance, because of the possibility to be caught for the presence of THC within their system while taking a drug test. This is definately not the reality since the insurance company is obligated to maintain client confidentiality through the Health Insurance Portability and Accountability (HIPPA) act. This act ensures that the privacy and trust is not violated in just about any manner. All individuals regardless of these drug habits should seriously consider applying forever insurance. There are several benefits to being eligible for a policy.
What does the presence of THC mean for your life insurance prospects?
Regarding applicants that are users of marijuana, there are some options that they may consider while going in for insurance. Earlier it was once burdensome for marijuana users to even become eligible forever policies. Nowadays you can find quite a few insurance companies that provide life insurance products even although you have now been tested positive for THC. Although it is inevitable that these applicants might have to qualify for smoker’s rates while applying forever insurance.
Your premium rates for your policy also be determined by their education and extent of narcotic use. If you’re a regular user, then it might be difficult to actually find an extensive package, which will be both affordable and offers decent quantity of coverage. You could wind up paying 50 to 400 per cent significantly more than what healthy non-smokers pay on the policies. This may possibly not be a feasible investment for all people. Even those applicants, who’ve been prescribed marijuana for medical use, would need to contend with paying higher rates when they become eligible for the policy.
For recreational users, it would generally be advisable to give up the habit before applying for insurance. THC usually stays in the body for a period of 4 to 8 weeks based on your body metabolism and other related factors. It could be wise to at least await a period of 3 full months before applying forever insurance. In this manner your odds of becoming eligible for an extensive life insurance policy, gets greatly enhanced when your tests for the presence of THC prove negative.