Life insurance for a stoner

tytheguy111

Well-Known Member
Also for the record the blood test insurance companies do is for diseases (like HIV and hepatitis), not drug testing. And most drug metabolites are out of your blood within a couple days anyway, so you would only have to abstain for about 3 days to pass a blood drug test (which they don't administer anyway).

They do test for drug metabolites in the urine though, which lasts much longer as everyone on this site is aware of.


Well as I see it through my red blood shot eyes are: you have a couple options,


ONE just admit you have a MMJ card for your pain


TWO burn all the evidence and off the doctors and lie about it


THREE, do what Walter white did and create a drug empire and get millions of dollars and give it to skyler, walt jr. And the baby which I forgot its name


FOUR: lie about it and try to live another 2 years


FIVE: don't get life insurance



Thats five solid options that can secure your family's future after yoyr dead and gone
 

Cascadian

Well-Known Member
@incognito
Holy shit man, it would take a while to respond to all the misguided and incorrect assertions you are making/assuming. I will get to it though, trust me...

Again, I qualified my opinions on the matter. If you are just going to fill out the app disclosing everything be my guest, I don't really see the point of you posting a question at all about it in the first place...
 

guy incognito

Well-Known Member
@incognito
Holy shit man, it would take a while to respond to all the misguided and incorrect assertions you are making/assuming. I will get to it though, trust me...

Again, I qualified my opinions on the matter. If you are just going to fill out the app disclosing everything be my guest, I don't really see the point of you posting a question at all about it in the first place...
I don't think they are misguided or incorrect. I have spoken to a number of people in the industry as well as spent many hours reading up on the subject.

If you read the entire thread you'll notice I posted my original question about 2 weeks, during that time I did much of the research I just mentioned. I was hoping some RIU members would have advice and I wouldn't have to do all the legwork to find the information on my own, but that didn't seem to be the case so I did it and I am compiling the information here to potentially help some other members, or some interested souls that embark upon the same trail as I have. Also if you read the thread you will see I don't plan to simply disclose everything, and I have given my rationale for the actions I plan to take.
 

ClaytonBigsby

Well-Known Member
eehhh, you smoked a little reefer. No big deal, much better than alcohol and tobacco use. I would even ask for a pot smoker's discount since it has been shown to kill cancer cells. A couple of presidents have acknowledged smoking it. It's done, get your best rate, shop it around. Best of luck.


 

guy incognito

Well-Known Member
eehhh, you smoked a little reefer. No big deal, much better than alcohol and tobacco use. I would even ask for a pot smoker's discount since it has been shown to kill cancer cells. A couple of presidents have acknowledged smoking it. It's done, get your best rate, shop it around. Best of luck.


The problem with that is that most insurance companies don't view it like you do. In fact most view it in the same category as tobacco. So I either lie about it, tell the truth, or find an insurance company willing to give non-smoker rates. I am leaning towards #3.
 

Cascadian

Well-Known Member
I am not aware of any that will give non-smoker rates. There are a few that will for cigar smokers. Insurance companies do not recognize state law just federal so no breaks for having a MMJ card etc.

Just adding some more opinions on the matter here... Blue is my responses.

You say it is little risk, but it is absolutely no reward, so the ratio of risk to reward is infinite. I will not take that bet.

The reward is paying the premiums for preferred plus or preferred non-smoker for the rest of your life. Vs the “best” smoker rate which is standard smoker. Usually the difference is about 200-300% more in premium and goes up parabolically at about the age of 65.

Maybe you won't get diagnosed with cancer, but maybe you will. Maybe you also will be recorded as having high blood pressure, or any number of other conditions that could affect your rate. What you will not get diagnosed with is anything that will IMPROVE your rates beyond what the insurance company will independently determine.

Again, you will not get diagnosed with cancer if you get a physical and do not request a blood profile. If you have high blood pressure go check it first, if you go to a doctor and have a high blood pressure reading you don’t have to list that doctor on your app or sign a HEPA letting the Ins Co. see it. Not listing doctor visits in almost a decade is not going to help you with the underwriter. They have much more discretion in making decisions on ratings that the general public knows about.

If I was going to go to a new doctor, and hope to get a clean bill of health, and then intentionally lie on my application form by omitting other doctors, why wouldn't I just cut out the middle man and omit my doctors records all together?

Because that is a huge red flag to the underwriter, they are not robots and have seen it all before. You will most certainly not get any benefit of the doubt in your rating.

Or only give them the info from my long past dr that I haven't been to in 7 years and claim I have had no doctor visits since then?

Same thing, they will assume that you are not responsible in checking up on your health. And, not give you any benefit of the doubt at all. A recent doctor visit looks very favorable to an underwriter.

Getting caught intentionally lying to the insurance company will be reported to the MIB, and also likely end up with a canceled policy even if i'm not dead.

They cannot cancel your policy based on anything they find in the MIB as long as you pay your premiums. They can deny claim if you die within 2 years, that’s it.

Then the problem is that any other insurance company I applied to would have full access to my MIB file which would state all that information that I intentionally left out.

Doesn’t matter, they cannot cancel the policy, only deny claim if you die. You would still have an inforce policy that could not be cancelled.

The thing with insurance companies is that you can redo the physical to get better rates after your policy is in place. For example if you get a policy as a smoker, then you quite smoking, and have some documentation from your doctor that you have in fact quit smoking and your health and lungs are improved, you could potentially retake the physical with the insurance company and qualify for a lower premium.

Potentially, is the keyword. This is not guaranteed or locked in stone in any way. Check the policy language and see for yourself.

However by going to the dr before you lock in your rate you run the risk of actually increasing your premiums.

Not if you are following my game plan. You are already choosing to omit certain doctor visits under this plan. If you get some kind of adverse diagnosis there is no difference in not disclosing that doctor either.


Also, they do test for drugs. Maybe not on 100k to 250K policies. But, on 500-750k+ policies they do. Just like they will require an ECG on policies over 2mill usually. They are not in the business of overlooking things that will allow them to collect more premiums.

You would be surprised at the things that can influence underwriting. Trying to get a policy at the end of a quarter (as now) or end of the year, will often get better ratings. Not always the case, they have a certain amount of risk they can take on in a given timeframe. If they have “room” they will give better ratings, if they don’t they will be very stingy. It is best to put on the best appearance on your app whatever you decide to do.

Either way you will be lying to some extent. Your concern about buying insurance in the future is somewhat valid, but as you pointed out there is a 7 year period in the MIB. Any 10 year term policy will outlive that timeframe.

Good Luck, just trying to add some insight.


Peace,
Cascadian
 

guy incognito

Well-Known Member
I am not aware of any that will give non-smoker rates. There are a few that will for cigar smokers. Insurance companies do not recognize state law just federal so no breaks for having a MMJ card etc.

I've already stated multiple times in this thread that prudential will give non-smoker rates for MMJ.


Just adding some more opinions on the matter here... Blue is my responses.

You say it is little risk, but it is absolutely no reward, so the ratio of risk to reward is infinite. I will not take that bet.

The reward is paying the premiums for preferred plus or preferred non-smoker for the rest of your life. Vs the “best” smoker rate which is standard smoker. Usually the difference is about 200-300% more in premium and goes up parabolically at about the age of 65.

I have nothing in my medical files that will cause me to get bad rates (save for the MJ smoking). Another dr visit will not improve my health or my rates anymore that. Another dr visit will also not undo any of my past office visits that are already on record.

Maybe you won't get diagnosed with cancer, but maybe you will. Maybe you also will be recorded as having high blood pressure, or any number of other conditions that could affect your rate. What you will not get diagnosed with is anything that will IMPROVE your rates beyond what the insurance company will independently determine.

Again, you will not get diagnosed with cancer if you get a physical and do not request a blood profile. If you have high blood pressure go check it first, if you go to a doctor and have a high blood pressure reading you don’t have to list that doctor on your app or sign a HEPA letting the Ins Co. see it. Not listing doctor visits in almost a decade is not going to help you with the underwriter. They have much more discretion in making decisions on ratings that the general public knows about.

So you're telling me no one ever gets diagnosed with cancer unless they specifically go in and request a blood profile to be done? I've never been diagnosed with cancer so I can't refute that, but I find it hard to believe a dr would never be able to detect warning signs and decide to move forward. Also how the fuck do people get diagnosed with cancer, especially early detection before they have any symptoms? They just happen to pop into the dr and request a blood cancer test?

And yes you most certainly do have to list that dr on your application and let the insurance company see it. To not do so is "material misrepresentation" and if they discover it at any point within the 2 year contestability period they can cancel your policy. If you live past the 2 year period without them discovering it then they can not contest it, but it is false to say you don't have to disclose it.


If I was going to go to a new doctor, and hope to get a clean bill of health, and then intentionally lie on my application form by omitting other doctors, why wouldn't I just cut out the middle man and omit my doctors records all together?

Because that is a huge red flag to the underwriter, they are not robots and have seen it all before. You will most certainly not get any benefit of the doubt in your rating.

But somehow no medical history for 7 years, then a quick visit to the doc a week before my life insurance application seems totally normal and not like a red flag?

Or only give them the info from my long past dr that I haven't been to in 7 years and claim I have had no doctor visits since then?

Same thing, they will assume that you are not responsible in checking up on your health. And, not give you any benefit of the doubt at all. A recent doctor visit looks very favorable to an underwriter.

Also the same thing. They will think no dr visits for 7 years, then a quick physical a week before the paramed exam is someone being responsible with their health and not a red flag?

Getting caught intentionally lying to the insurance company will be reported to the MIB, and also likely end up with a canceled policy even if i'm not dead.

They cannot cancel your policy based on anything they find in the MIB as long as you pay your premiums. They can deny claim if you die within 2 years, that’s it.

They most certainly can. If you lie about something, and they discover it, they not only can, but they will cancel your policy regardless of whether you are caught up on premiums. I think the misconception here is that they tend not to launch a full investigation while you are alive and paying your premiums, so it's usually only an issue before they issue the policy, or in the event of your death within the 2 year period. Once you are approved and paying your premiums it's not very likely they will investigate you unless you die within the 2 year period.

Then the problem is that any other insurance company I applied to would have full access to my MIB file which would state all that information that I intentionally left out.

Doesn’t matter, they cannot cancel the policy, only deny claim if you die. You would still have an inforce policy that could not be cancelled.

I don't understand why you think they can't cancel a policy for fraud if you are paying your premiums. It's not likely they will actively investigate my policy without cause, but if they did find out they could cancel it or adjust my premiums.

The thing with insurance companies is that you can redo the physical to get better rates after your policy is in place. For example if you get a policy as a smoker, then you quite smoking, and have some documentation from your doctor that you have in fact quit smoking and your health and lungs are improved, you could potentially retake the physical with the insurance company and qualify for a lower premium.

Potentially, is the keyword. This is not guaranteed or locked in stone in any way. Check the policy language and see for yourself.

No but you always have the option to cancel your policy if you can't get the better rate you want. And your price is locked in stone, they cannot raise it, it's in the contract. So you have nothing to lose, but you do have potential to gain.

However by going to the dr before you lock in your rate you run the risk of actually increasing your premiums.

Not if you are following my game plan. You are already choosing to omit certain doctor visits under this plan. If you get some kind of adverse diagnosis there is no difference in not disclosing that doctor either.

No YOU are advising me to omit certain doctor visits. My game plan is, and always has been, to not omit any of my doctors visits. My only lie will be about unprovable recreational usage. So under my game plan I will get non-smoker rates and not run the risk of fucking my wife and child over if I die within the contestability period.


Also, they do test for drugs. Maybe not on 100k to 250K policies. But, on 500-750k+ policies they do. Just like they will require an ECG on policies over 2mill usually. They are not in the business of overlooking things that will allow them to collect more premiums.

Not in your blood, only in your urine. The blood test is for diseases only.

You would be surprised at the things that can influence underwriting. Trying to get a policy at the end of a quarter (as now) or end of the year, will often get better ratings. Not always the case, they have a certain amount of risk they can take on in a given timeframe. If they have “room” they will give better ratings, if they don’t they will be very stingy. It is best to put on the best appearance on your app whatever you decide to do.

Either way you will be lying to some extent. Your concern about buying insurance in the future is somewhat valid, but as you pointed out there is a 7 year period in the MIB. Any 10 year term policy will outlive that timeframe.

Good Luck, just trying to add some insight.


I have already stopped smoking for 18 days. I just took a take home piss test and failed. I will be getting insurance once I am clean, and hopefully never be repeating this process. Being sober is for suckas. Also I would like to get it sooner rather than later. Every day I wait is a slightly higher risk of dying or having failing health that will disqualify me.

I will be lying, but it will be an unproveable lie. My MJ usage will be considered medical, and won't be in the previous 12 month time frame, thereby giving me non-smoker rates through certain companies. There will be no way for them to prove I lied about it. The only evidence they will have will be my clean piss test, which will be in my favor.


Peace,
Cascadian
my message is too short.
 

Cascadian

Well-Known Member
I think you missed that I was referring to and following up on your response to statements I have made, not commenting on your game plan. Also, looks like I need to say again that I am not advising you to do anything. Simply stating what I would do. But anyway, I will address a few of your points and move on.

I've already stated multiple times in this thread that prudential will give non-smoker rates for MMJ.
Good to know, this mean you will get a standard rate, rather than a preferred rate or preferred plus rate. Still paying more.

But somehow no medical history for 7 years, then a quick visit to the doc a week before my life insurance application seems totally normal and not like a red flag?

Where did I say a week before? And, it depends on your age many people don't go to the Doctor who are younger and in good health. When I got my preferred plus non-smoker policy I was about 32 and had no Doctor visits in many years. I actually went just to establish a recent history. This is common, but might be suspicious if you were over 45-50 as having medical issues at that age is more common.

Also the same thing. They will think no dr visits for 7 years, then a quick physical a week before the paramed exam is someone being responsible with their health and not a red flag?

Never said anything about a week.

They most certainly can. If you lie about something, and they discover it, they not only can, but they will cancel your policy regardless of whether you are caught up on premiums. I think the misconception here is that they tend not to launch a full investigation while you are alive and paying your premiums, so it's usually only an issue before they issue the policy, or in the event of your death within the 2 year period. Once you are approved and paying your premiums it's not very likely they will investigate you unless you die within the 2 year period.

I said based on what is in the MIB... and the insurance company would have to break the law to find out about your Doctor visits because you did not sign a Hippa form allowing them your Doctor records. The company is not going to risk getting sued for canceling your policy. This will not happen.

I don't understand why you think they can't cancel a policy for fraud if you are paying your premiums. It's not likely they will actively investigate my policy without cause, but if they did find out they could cancel it or adjust my premiums.

For a provable "fraud" yes, for not disclosing Doctor visits that they have no way of proving happened without a signed Hippa form or breaking the law, no.
And, while a cancellation can happen (never seen it once), raising your premiums cannot under any circumstance. It is inforce or it isn't... They would have to raise premiums for everyone your age with your rating and with your type of policy.


If you live past the 2 year period without them discovering it then they can not contest it, but it is false to say you don't have to disclose it.


Never said "you do not have to disclose it". We are talking about the choice to disclose or not, you are twisting my words and their intended meaning throughout... as well as responding to things as if we were debating a different issue than that which is being commented on. It would just take too long to point them all out requiring a rehash of this from the beginning, not going to do it.

No YOU are advising me to omit certain doctor visits.

No, I didn't and I am not advising you to do anything... only commenting on what I would do/have done successfully.

There are ways to structure coverage where you would have solid coverage for 2 years and then have the benefit of lower rates after 2 years. Obviously they would involve some level of risk and would involve more than one policy, the second with a different company. My understanding of what actually happens at a Life Insurance company in the real world 99.9% of the time allows me to weigh these risk in a different way I suppose.
There is obviously more risk the more is omitted and you are finding the balance with minimal omission, I found the balance with more omission. Your situation is different than mine as well.
 

guy incognito

Well-Known Member
Yea i'm getting tired of the back and forth too.

But what incentive does anyone have to ever disclose any medical history at all then? Other than the dying within 2 years and having them launch a full investigation? Why would anyone ever disclose anything?

Also from my understanding the rate you get for a certain health level and smoking are separate issues. For example if you are fat and have diabetes and don't smoke you will get sub standard rates, but also non smoking. But if you are a smoker who is in otherwise perfect health you will get get classified as a smoker, but the best rates for being a smoker. Although being a smoker usually automatically disqualifies you from the top rate tier.

FYI pudential will give preferred best AND non smoker for MMJ...at least I have been told. I am actually having a lot of difficulty getting a prudential plan. I have been trying for about a week now and I cannot get in contact with anyone from prudential, or the offices they suggest. Which is really strange. Every time i've ever been to any type of insurance site I usually get hounded by them trying to contact me. I have spent the last week actively trying to contact them to get a policy and I can't.
 

Cascadian

Well-Known Member
But anyway, I will address a few of your points and move on.
I think my last post stated where I am at, moving on bro...




Jeeebus, guys, break it up, break it up
Yea i'm getting tired of the back and forth too.

But what incentive does anyone have to ever disclose any medical history at all then? Other than the dying within 2 years and having them launch a full investigation? Why would anyone ever disclose anything?

Also from my understanding the rate you get for a certain health level and smoking are separate issues. For example if you are fat and have diabetes and don't smoke you will get sub standard rates, but also non smoking. But if you are a smoker who is in otherwise perfect health you will get get classified as a smoker, but the best rates for being a smoker. Although being a smoker usually automatically disqualifies you from the top rate tier.

FYI pudential will give preferred best AND non smoker for MMJ...at least I have been told. I am actually having a lot of difficulty getting a prudential plan. I have been trying for about a week now and I cannot get in contact with anyone from prudential, or the offices they suggest. Which is really strange. Every time i've ever been to any type of insurance site I usually get hounded by them trying to contact me. I have spent the last week actively trying to contact them to get a policy and I can't.
I will just clarify this last point. Your underwriting level and whether you are a non-smoker are not mutually exclusive. It does depend on the carrier (insurance co.). For example most if not all will not give you a preferred plus or even preferred smoker policy even if you are a vegan marathon runner who admits to smoking the occasional cigarette. The best you will get is standard smoker. The same also applied last I was aware to policies where cigar smoking was overlooked, they will give standard non-smoker but will not go higher. If what you say is true that Prudential will give a preferred non-smoker for MMJ that is awsome and I applaud them. A big step in the right direction for sure! There is no cut and dried on this (pun intended), it is carrier dependent so ask lots of questions. Many who sell policies don't have a solid understanding of them so it is a good idea just as a litmus test to ask lots of questions.

And, other than the 2 year contestability issue, you are right there is very little incentive to disclose any more than you absolutely have to.

Call some financial planning firms in your area and ask if they deal with Prudential, you will find one. Be ready for them to pitch their in house carrier...

I wish you luck. Peace,

Cascadian
 

guy incognito

Well-Known Member
Update:

I did my tests last month. Results of blood and urine seem to be ok in all catagories. They didn't even test for mj according to the results I got (don't know if they did other testing on it though).

I didn't lie about my dr visits, but I wish I had. They cannot locate the records with the dr or the clinic and they keep coming back to me to ask for my records. Like 3 or 4 times now. Each time I tell them I went to that dr solely to get him to sign on my application. I have no affiliation with the dr or the clinic, and never did any follow ups with them. All I have is the name of the dr, the clinic, and the date I went. And yet they keep coming back and asking for more records. I'm gonna flip my shit on them if they contact me one more time about the records.

So if anyone else is considering getting life insurance and you have your medical card in michigan - forget about listing it on the application or disclosing it at all. I disclosed everything, and even after the ins company has contacted the clinic and the dr they still can't obtain any of my records, or even confirm that I was a patient. I doubt very much they would be able to find the information if I never disclosed anything.

Edit: I accidentally a word.
 

Cascadian

Well-Known Member
Sorry you are dealing with insurance co b.s. Did you list the medical reason for having a card on the app? They are probably just trying to match up what ailment you "claimed" on your MMJ app vs your other records. Some people make medical ailments up to get their card (not saying you did at all). Other ailments would allow them to give you a worse rating etc. they are probably fishing for that.

Assuming the records would be consistent I would go obtain them in person at the clinic and forward them to the ins co. You shouldnt have to, but regardless of if you are successful it would make you look better to the underwriter that you tried. Just a thought. Hope you end up getting the benefit of the doubt.

Keep us updated, and thanks for this update. I am going to go get my MMJ records in hand as a result of reading this.

Peace,
 

guy incognito

Well-Known Member
They finally decided to give up on getting those dr records. I qualified for a better rate than they originally quoted me. Finally went into effect earlier this month. Now I can do drugs and live recklessly and not worry about it.
 

kinetic

Well-Known Member
Fuck Yea! Lets hit the bathroom and bang some drano!!! I got the surgical rubber you bring the syringe!!!
 
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