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 presence of illegal drugs like THC or other prohibited chemicals. The underwriting team of the insurance company would then formulate living insurance policy based on the readings obtained from the medical tests.
Based on the results, they would first assess if anyone was eligible to get insurance. If he or she has been discovered to be experiencing some form of terminal illness, then a insurance company might in all 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 lowered standard because the heal risks related to individual are less. In exactly the same vein Smokers, those despite having healthy bodies always wind up paying considerably greater premium rates than other healthy non-smokers.
With marijuana users, the fears become a lot more pronounced as a lot of insurance consider the health problems to be very high shop Delta 8 Cartridge. Yet all individuals should seriously consider applying for insurance due to the many obvious benefits that are included with it. To quite a degree, many THC users keep from applying forever insurance over the fear of having prosecuted.
Do you fear being prosecuted, if tested positive for THC?
Lots of those who use illegal drugs like marijuana; cocaine, opiates, lsd etc often live under the fear of being prosecuted, if they were to subject themselves to buy a life insurance policy. It’s prevented most of them from applying forever insurance, due to the possibility of being caught for the presence of THC within their system while going for a drug test. This really is definately not the reality whilst the insurance company is obligated to keep up client confidentiality through the Health Insurance Portability and Accountability (HIPPA) act. This act ensures that the privacy and trust is not violated in any manner. All individuals regardless of these drug habits should seriously consider applying forever insurance. There are several benefits to being entitled to a policy.
What does the presence of THC mean for your daily life insurance prospects?
Regarding applicants who’re users of marijuana, there are some options that they may consider while going in for insurance. Earlier it used to be hard for marijuana users to even become eligible forever policies. Nowadays you will find many insurance companies offering life insurance products even if you have already been tested positive for THC. Though it is inevitable that these applicants may need to qualify for smoker’s rates while applying forever insurance.
Your premium rates for the policy also rely on their education and extent of narcotic use. If you are a regular user, then it could be difficult to really find an extensive package, that is both affordable and offers decent number of coverage. You might wind up paying 50 to 400 per cent a lot 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 have to contend with paying higher rates when they become entitled to the policy.
For recreational users, it would generally be advisable to give up the habit before applying for insurance. THC usually stays in your system for a period of 4 to 8 weeks according to the body metabolism and other related factors. It would be wise to at the very least await a period of 3 full months before applying forever insurance. This way your likelihood of becoming entitled to an extensive life insurance policy, gets greatly enhanced whenever your tests for the presence of THC turn out negative.