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 current presence of illegal drugs like THC or other prohibited chemicals. The underwriting team of the insurance company would then formulate living insurance plan on the basis of the readings obtained from the medical tests.
On the basis of the results, they would first assess if anyone was eligible to receive insurance. If he or she has been discovered to be experiencing some type of terminal illness, then a insurance company might in every 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 since the heal risks connected with individual are less. In the exact same vein Smokers, those despite healthy bodies always end up paying considerably higher premium rates than other healthy non-smokers.
With marijuana users, the fears become a lot more pronounced as a lot of insurance look at the health threats 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 a degree, many THC users refrain from applying forever insurance over the fear to getting prosecuted.
Do you fear being prosecuted, if tested positive for THC?
Plenty of individuals who use illegal drugs like marijuana; cocaine, opiates, lsd etc often live underneath the fear to be prosecuted, if these were to subject themselves to get a life insurance policy. Delta 8 Cartridge 1000mg It has prevented most of them from applying forever insurance, because of the possibility to be caught for the current presence of THC inside their system while taking a drug test. That is definately not the reality as the insurance company is obligated to maintain client confidentiality through the Health Insurance Portability and Accountability (HIPPA) act. This act ensures that your privacy and trust is not violated in any manner. All individuals regardless of their drug habits should seriously consider applying forever insurance. There are numerous benefits to being qualified to receive a policy.
What does the current presence of THC mean for your daily life insurance prospects?
Pertaining to applicants who are users of marijuana, there are a few options they can consider while planning for insurance. Earlier it was previously problematic for marijuana users to even become eligible forever policies. Nowadays you will find many insurance companies that offer life insurance products even if you have been tested positive for THC. Although it is inevitable that 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 are a typical user, then it may be difficult to actually find a comprehensive package, which can be both affordable and offers decent level of coverage. You may end up paying 50 to 400 per cent more than what healthy non-smokers pay on the policies. This may not be a feasible investment for several people. Even those applicants, who’ve been prescribed marijuana for medical use, will have to contend with paying higher rates when they become qualified to receive the policy.
For recreational users, it would 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 based on the human body metabolism and other related factors. It would be a good idea to at least wait for a period of 3 full months before applying forever insurance. In this manner your likelihood of becoming qualified to receive a comprehensive life insurance plan, gets greatly enhanced as soon as your tests for the current presence of THC prove negative.