A responsible adult purchases life insurance to add to his investment portfolio and to provide financial security to his dependents. When you purchase insurance, there are several factors that will increase or decrease the rates. Knowing these factors is important to get affordable rates. Two factors that affect insurance rates are age and health. Those who are young and in good health will get the best insurance rates available
You also have to appear for a medical exam when buying insurance. This makes it possible for insurer to have a look at your health factors which can have a say in the matter. If you have a medical condition, it would make it difficult to get lower insurance rates on your policy. If you use any of the drugs, then also you may have to pay higher premiums on your policy. Typically, most insurers undertake some drug tests to make sure if you use any drug this is why you may have to clear marijuana life insurance test before buying insurance.
Are you a marijuana smoker? Then please remember that this fact will be revealed in the blood and urine samples that you provide at your marijuana life insurance test. Do not lie about your smoking status for experts say that it can prejudice the insurance company when your beneficiaries make claims. For example, you do get a policy, you have not been truthful and you die within 2 years of signing up for the policy, the insurance company will at once pull up your medical records. If this states that you died due to a smoking or drug related problem, then they can withhold all payouts.
If you did and did not inform your insurer about the same, your settlement claims could be jeopardized. It is important that you understand the implications of buying a non-smoker policy by lying to your insurer. It is better if you get smoker insurance rates on your policy instead of hiding this habit which would make your insurance investment a risky proposition. It is good that you know all about marijuana life insurance test before buying insurance.
Insurance rates will increase drastically when you have a smoking or drug problem. This is because there are many serious illnesses that you can contract with your smoking and drug habits. Interestingly enough, there are no special tests that can reveal with absolute certainty that you have been smoking cannabis. Blood and urine samples given during a medical exam for life insurance will reveal your addiction for these drugs remain in the body and are not excreted for many days.
If the drug is still in your body when tests are conducted, its presence maybe easily identified but if the drug was used a few days ago then it may not show in these tests. Still, it would be intelligent to not hide it from your insurer if you use marijuana or smoke because it can affect the outcome of your policy. In rare cases, one might be smoking marijuana with a prescription which is due to the fact that it is used as a medication in some medical conditions. Here, you may not have to worry much about marijuana life insurance test.
However, in this case you may have to worry about the medical condition and its severity which can impair your chances of getting a cheap life insurance policy meeting your needs. It is usually prescribed as a medication in case of glaucoma and cancer. These conditions are already enough to attract very high insurance rates and you need to know exactly how worse if the medical condition before looking for life insurance. You can ask for life insurance no medical exam option when looking for life insurance with a medical condition.
A no medical exam insurance will not offer very good benefits since the rates are much higher. Another alternative is to look at special insurance options that are given to those with serious illnesses and the rates are quite competitive too. When you choose the special insurance option, the fact that you smoke marijuana with a prescription means that you need not worry about the outcome of the marijuana life insurance test.
You also have to appear for a medical exam when buying insurance. This makes it possible for insurer to have a look at your health factors which can have a say in the matter. If you have a medical condition, it would make it difficult to get lower insurance rates on your policy. If you use any of the drugs, then also you may have to pay higher premiums on your policy. Typically, most insurers undertake some drug tests to make sure if you use any drug this is why you may have to clear marijuana life insurance test before buying insurance.
Are you a marijuana smoker? Then please remember that this fact will be revealed in the blood and urine samples that you provide at your marijuana life insurance test. Do not lie about your smoking status for experts say that it can prejudice the insurance company when your beneficiaries make claims. For example, you do get a policy, you have not been truthful and you die within 2 years of signing up for the policy, the insurance company will at once pull up your medical records. If this states that you died due to a smoking or drug related problem, then they can withhold all payouts.
If you did and did not inform your insurer about the same, your settlement claims could be jeopardized. It is important that you understand the implications of buying a non-smoker policy by lying to your insurer. It is better if you get smoker insurance rates on your policy instead of hiding this habit which would make your insurance investment a risky proposition. It is good that you know all about marijuana life insurance test before buying insurance.
Insurance rates will increase drastically when you have a smoking or drug problem. This is because there are many serious illnesses that you can contract with your smoking and drug habits. Interestingly enough, there are no special tests that can reveal with absolute certainty that you have been smoking cannabis. Blood and urine samples given during a medical exam for life insurance will reveal your addiction for these drugs remain in the body and are not excreted for many days.
If the drug is still in your body when tests are conducted, its presence maybe easily identified but if the drug was used a few days ago then it may not show in these tests. Still, it would be intelligent to not hide it from your insurer if you use marijuana or smoke because it can affect the outcome of your policy. In rare cases, one might be smoking marijuana with a prescription which is due to the fact that it is used as a medication in some medical conditions. Here, you may not have to worry much about marijuana life insurance test.
However, in this case you may have to worry about the medical condition and its severity which can impair your chances of getting a cheap life insurance policy meeting your needs. It is usually prescribed as a medication in case of glaucoma and cancer. These conditions are already enough to attract very high insurance rates and you need to know exactly how worse if the medical condition before looking for life insurance. You can ask for life insurance no medical exam option when looking for life insurance with a medical condition.
A no medical exam insurance will not offer very good benefits since the rates are much higher. Another alternative is to look at special insurance options that are given to those with serious illnesses and the rates are quite competitive too. When you choose the special insurance option, the fact that you smoke marijuana with a prescription means that you need not worry about the outcome of the marijuana life insurance test.
About the Author:
Article by Christopher Gonzalez who is a specialist in life insurance. For more information on marijuana life insurance test, visit his site today.
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