Pot Smokers can get Preferred
Non-Smoker Rates

That’s right the headline speaks for itself. Many
states have either legalized pot for medicinal
purposes and some states have allowed using it for
recreational use as well. In the past, it was a no-no
for anyone even applying for insurance to ever admit
that they smoke weed and of course these people
were paranoid that they would be caught or
associated with this practice.
As an advisor and an insurance broker we have been
put into the difficult position of telling our client(s) that
the companies discriminate against smoking pot and
that if issued would probably get smoker rates. Now
we can actually find companies that do not
discriminate and accept that marijuana smokers
whether medicinal or for recreation that they can get
non-smoker and even preferred rates. In the past
many people have asked how long does it take to get
out of their system if they were to get fluids withdrawn
from them for the purpose of underwriting. Those of
us in the know had the facts that it almost takes a
month of abstinence to not show up in the specimens.
Some companies don’t even check for usage
anymore. However, there are now companies that
don’t turn a blind eye to the facts but rather accept
that a part of the public will smoke pot especially if its
legal.
We are not talking about fly by night companies or
lower rated ones but rather some of the largest and
most competitive companies issue policies on these
people and the client does not have to lie or deceive
the company that they don’t smoke. We have always
advocated telling the insurance companies the truth
so they can’t contest any claims that might occur.