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Unlock Non-Smoker Life Insurance Rates for Marijuana Users

Are you aware that life insurance offers Non-Smoker rate classes for individuals who use marijuana? Surprisingly, some policies even extend to Preferred Non-Smoker rates.

Let's delve into the potential rate classes tailored for recreational marijuana users:

  • Preferred Plus Non-Smoker: Individuals who indulge in marijuana eight or fewer days per month might qualify for this category.

  • Preferred Non-Smoker: If usage extends to three times per week, applicants could still secure favorable rates under this classification.

  • Standard Non-Smoker: Even for those who partake once a day or between four to six times per week, there's still a chance to qualify for Standard Non-Smoker rates.

It's crucial to emphasize that these classifications are subject to various factors such as overall health, usage frequency, and the specific insurance provider's policies. For the best possible outcomes regarding underwriting decisions on marijuana use, advisors should reach out to the Underwriting Team. They can provide personalized guidance and help navigate the complexities of this evolving landscape.