Undertake Life cover Agencies Test for THC?
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 living insurance policy based on the readings obtained from the medical tests.
Based on the results, they’d first assess if the individual was eligible to receive insurance. If he or she’s been discovered to be experiencing some kind of terminal illness, then the insurance company might in every probability deny life insurance to the individual. If the applicant is deemed to be healthy, then the rates of premiums could be set at less standard as the heal risks connected with individual are less. In the 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 much more pronounced as plenty 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 come with it. To quite a degree, many THC users keep from applying forever insurance over driving a car 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 certainly were to subject themselves to purchase a life insurance policy. It’s prevented many of them from applying forever insurance, because of the possibility to be caught for the current presence of THC within their system while taking a drug test. Delta 8 Disposable 1000mg THC Cartridge 1ml This is definately not the facts because the insurance company is obligated to keep client confidentiality through the Health Insurance Portability and Accountability (HIPPA) act. This act ensures that 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 numerous benefits to being eligible for a policy.
What does the current presence of THC mean for your daily life insurance prospects?
With regard to applicants that are users of marijuana, there are a few options that they can consider while planning for insurance. Earlier it was previously hard for marijuana users to even become eligible forever policies. Nowadays there are many insurance companies offering life insurance products even if you have now been tested positive for THC. Though it is inevitable these applicants may need to qualify for smoker’s rates while applying forever insurance.
Your premium rates for the policy also be determined by their education and extent of narcotic use. If you are a regular user, then it may be difficult to really find a comprehensive package, that will be both affordable and offers decent number of coverage. You may end up paying 50 to 400 per cent 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, will have to contend with paying higher rates if they become eligible for the policy.
For recreational users, it’d generally be advisable to stop the habit before applying for insurance. THC usually stays in the body for a period of 4 to 8 weeks depending on your system 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 way your chances of becoming eligible for a comprehensive life insurance policy, gets greatly enhanced as soon as your tests for the current presence of THC turn out negative.