{"id":403028,"date":"2024-06-24T18:13:16","date_gmt":"2024-06-24T18:13:16","guid":{"rendered":"https:\/\/fidelitylife.staging.thisismess.io\/life-insurance-basics\/uncategorized\/life-insurance-for-marijuana-users\/"},"modified":"2024-06-24T18:13:16","modified_gmt":"2024-06-24T18:13:16","slug":"life-insurance-for-marijuana-users","status":"publish","type":"post","link":"https:\/\/staging03.wordpress.fidelitylife.com\/?p=403028","title":{"rendered":"Life insurance for marijuana users"},"content":{"rendered":"<div>\n<section class=\"page-content block block-page-content\" tabindex=\"-1\">\n<div class=\"page-content-inner\">\n<h2>Key takeaways<\/h2>\n<ul class=\"box-list\">\n<li style=\"list-style-type: none;\">\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Laws and regulations around marijuana are changing rapidly at the state level, and this may impact insurance policies and rates for marijuana users.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Recreational and medicinal use of marijuana can impact your premiums, but potentially less than you might think.<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Answering questions honestly about marijuana use is critical to getting\u2014and keeping\u2014the right coverage.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2><\/h2>\n<h2><strong> Can someone who uses marijuana get life insurance? <\/strong><\/h2>\n<p>Do you smoke, vape, ingest or otherwise partake in marijuana on an occasional or daily basis, for recreational or medical use? If so, you might worry about how this will affect your ability to get life insurance.<\/p>\n<p>As marijuana use becomes legalized and more commonplace, many insurance companies are looking at marijuana users differently.<\/p>\n<h2><strong> What types of insurance are available for marijuana users? <\/strong><\/h2>\n<p>Both term and permanent life insurance policies are often available to current or former marijuana users.<\/p>\n<p>Many people who use marijuana can now honestly reply to their applications and gain approval for a life insurance policy. In some cases, there might be a higher premium\u2013but this is often predicated more on the risk of smoking of any kind.<\/p>\n<p>If you don\u2019t use to excess, don\u2019t have any arrests for marijuana-related DUIs, don\u2019t have underlying health issues prompting marijuana usage, and don\u2019t also smoke, you may find getting a life insurance policy is easier than you thought.<\/p>\n<p>You could get approved for basic life insurance policies commonly sold to individuals, with only a negligible premium bump. If you can\u2019t be approved based on your results from a medical exam, there are no-exam policies that may work for your needs.<\/p>\n<h2><strong> Basic life insurance policies that may be available to marijuana users <\/strong><\/h2>\n<p>There are two main types of life insurance policies, term life, and whole life.<\/p>\n<h3><strong> Term Life <\/strong><\/h3>\n<p>This type of policy has a level (or unchanging) premium with a term length anywhere from 10 to 30 years. A guaranteed death benefit pays out if you pass away during that term, but expires if the term ends and you are still living. You\u2019ll have to undergo a medical exam to obtain this type of insurance, and once your term ends. Your marijuana use will factor in your insurability and premium costs. However, depending on your state laws and your habits, you may still qualify for term life. Once your term expires, you\u2019ll have to have another exam and be quoted a new premium if you want term life insurance. The new policy will take into account your new age and any new health issues.<\/p>\n<p><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-life\/\"> Explore Fidelity Life\u2019s term life options<\/a>.<\/p>\n<h3><strong> Whole Life <\/strong><\/h3>\n<p>This type of policy is a <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/permanent-life-insurance-101\/cash-value-life-insurance\/\"> cash value policy<\/a>, which means it both provides for a death benefit and accrues value that can be borrowed against or withdrawn to pay for unexpected expenses. The premium is higher with a <a href=\"\/life-insurance-basics\/whole-life-insurance-101\/whole-life-insurance\/\"> whole life policy<\/a>, but it also stays level and doesn\u2019t have a set term limit. If you can afford it and qualify based on your marijuana usage, obtaining a policy when you are young and healthy means not have to be reevaluated for health down the line.<\/p>\n<p><a href=\"\/life-insurance\/term-life-insurance\/rapidecision-senior-term-life-insurance\/\"> Explore Fidelity Life\u2019s whole life options<\/a>.<\/p>\n<p>If you can\u2019t get approved for term or whole life, don\u2019t fret. You still have options.<\/p>\n<h3><strong> No Medical Exam Policies <\/strong><\/h3>\n<p>If you cannot be approved you for term life or whole life based on a medical exam, they may be able to insure you with a no-exam policy.<\/p>\n<p>A <a href=\"\/life-insurance-basics\/life-insurance-101\/simplified-issue-life-insurance\/\"> simplified issue policy<\/a> requires a substantial health questionnaire. <a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-final-expense-insurance\/\"> Explore simplified issue products from Fidelity Life<\/a>.<\/p>\n<p>A <a href=\"https:\/\/fidelitylife.com\/life-insurance-basics\/permanent-life-insurance-101\/guaranteed-issue-life-insurance\/\"> guaranteed issue<\/a> policy asks only a few health questions. <a href=\"\/life-insurance\/final-expense-insurance\/rapidecision-guaranteed-issue-life-insurance\/\"> Explore guaranteed issue products from Fidelity Life<\/a>.<\/p>\n<p>These policies have a low death benefit (averaging around $25,000) and higher premiums than a standard policy but can provide for final expenses in the event of your unexpected death.<\/p>\n<\/div>\n<\/section>\n<section class=\"page-content block block-page-content\" tabindex=\"-1\">\n<div class=\"page-content-inner\">\n<h2><strong> Questions you may be asked about marijuana use <\/strong><\/h2>\n<p>Be prepared to answer very specific questions about your marijuana use, for example:<\/p>\n<ul>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Do you use botanical or synthetic marijuana?<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">How many times per month do you use marijuana?<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Have you ever been treated for drug or alcohol abuse?<\/li>\n<li data-gc-list-depth=\"1\" data-gc-list-style=\"bullet\">Do you use marijuana medicinally for an underlying health condition?<\/li>\n<\/ul>\n<p>It\u2019s important to be truthful about your marijuana usage history on your application and during your medical exam. If you were to pass away during the contestability period (the year or two after your death), and it comes to light that you didn\u2019t disclose your status as a marijuana user, your policy could be voided. This means your beneficiaries wouldn\u2019t receive the death benefit you planned.<\/p>\n<\/div>\n<\/section>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Key takeaways Laws and regulations around marijuana are changing rapidly at the state level, and this may impact insurance policies and rates for marijuana users. Recreational and medicinal use of marijuana can impact your premiums, but potentially less than you might think. Answering questions honestly about marijuana use is critical to getting\u2014and keeping\u2014the right coverage. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":403029,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-403028","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance-101"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Life insurance for marijuana users - Fidelity Life<\/title>\n<meta name=\"description\" content=\"Do you partake in marijuana on an occasional or daily basis, for recreational or medical use and wonder about your life insurance options? 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