Fort Collins, CO (PRWEB) March 07, 2013
Millions of pot smokers, once considered not insurable, can now get affordable life insurance coverage. 420LifeInsurance.com, through partnerships with select life insurance companies, has been able to help those who have been continually discriminated against for using marijuana.
According to insurance advisor Tim Holt, "The typical marijuana user is a middle class guy with kids and a wife. And many of them have gone for years without being able to obtain life insurance. I'm glad we're now able to help them out.”
The social stigma surrounding smoking marijuana is lessoning now that Colorado and Washington legalized marijuana. Some insurers no longer consider occasional marijuana use to be a risk factor that should prevent coverage. Some will even rate a marijuana user as a non-smoker reducing their premium significantly. Individuals should note that marijuana users never qualify for the very lowest rates. Less than 5% of non-users actually qualify at this level. An occasional marijuana user may qualify at the next lowest level, assuming they do not use tobacco and are in excellent health. Individuals can contact 420 Life today to see if they, like other users, can find life insurance.
How Individuals Can Qualify
420LifeInsurance.com offers term life insurance to occasional marijuana users for 10, 20, or 30 years. These plans offer the greatest amount of coverage for the lowest cost possible. To get an instant quote, click here. A paramedical exam is required. This can be done at work or home and will include measuring blood pressure and weight, taking a blood and urine sample, and confirming answers on the application. 420LifeInsurance.com advises against lying about marijuana use on the life insurance application. If THC is found during the initial blood test, coverage will be declined. An individual could also face a denied claim if it is determined that they were a marijuana user.
Holt says many of his clients are concerned about the privacy of the process. "They don't want the government or anyone else snooping in their business." 420LifeInsurance.com understands those concerns and does not share anyone’s medical records without permission. Individuals are required to release their information to the Medical Information Bureau (MIB), however this in not accessible by the government.
About 420 Life Insurance:
As an independent broker connecting people with financially-sound life insurance companies, 420 Life Insurance is based in Colorado. To protect the confidentiality of consumers, personal advisor Tim Holt works directly with customers rather than channel them through a phone bank of operators.
Clients may visit 420 Life Insurance online at http://www.420LifeInsurance.com for instant confidential quotes, email Tim(at)420LifeInsurance(dot)com or call 866-429-5991 for further information.