Perform Life insurance coverage Businesses Test for THC?
Insurance companies that sell life insurance policies conduct medical exams to test for the applicants overall state of health. These tests include urine and blood tests to detect the presence of illegal drugs like THC or other prohibited chemicals. The underwriting team of the insurance company would then formulate the life span insurance policy on the basis of the readings obtained from the medical tests.
On the basis of the results, they would first assess if anyone was eligible to receive insurance. If he or she has been discovered to be experiencing some kind of terminal illness, then the insurance company might in most probability deny life insurance to the individual. If the applicant is deemed to be healthy, then the rates of premiums will be set at a lowered standard because the heal risks associated with individual are less. In exactly the same vein Smokers, those despite healthy bodies always wind up paying considerably greater premium rates than other healthy non-smokers.
With marijuana users, the fears become a lot more pronounced as a lot of insurance look at the health threats to be very high buy Delta 8 Cartridge. Yet all individuals should seriously consider applying for insurance because of the many obvious benefits that include it. To quite a level, many THC users keep from applying for a lifetime insurance over the fear of having prosecuted.
Can you fear being prosecuted, if tested positive for THC?
Plenty of individuals who use illegal drugs like marijuana; cocaine, opiates, lsd etc often live beneath the fear of being prosecuted, if they certainly were to subject themselves to get a life insurance policy. This has prevented many of them from applying for a lifetime insurance, because of the possibility of being caught for the presence of THC in their system while having a drug test. That is not even close to the reality as the insurance company is obligated to steadfastly keep up client confidentiality through the Health Insurance Portability and Accountability (HIPPA) act. This act ensures that your privacy and trust is not violated in any manner. All individuals regardless of their drug habits should seriously consider applying for a lifetime insurance. There are many benefits to being eligible for a policy.
What does the presence of THC mean for your life insurance prospects?
With regard to applicants that are users of marijuana, there are a few options they can consider while going in for insurance. Earlier it was previously difficult for marijuana users to even become eligible for a lifetime policies. Nowadays you will find quite a few insurance companies offering life insurance products even although you have already been tested positive for THC. Although it is inevitable that these applicants may need to qualify for smoker’s rates while applying for a lifetime insurance.
Your premium rates for your policy also rely on the amount and extent of narcotic use. If you are a typical user, then it might be difficult to really find a thorough package, that will be both affordable and offers decent number of coverage. You might wind up paying 50 to 400 per cent more than what healthy non-smokers pay on their policies. This may possibly not be a feasible investment for many people. Even those applicants, who have been prescribed marijuana for medical use, would have to contend with paying higher rates should they become eligible for the policy.
For recreational users, it would generally be advisable to stop the habit before applying for insurance. THC usually stays in the body for an amount of 4 to 8 weeks depending on your body metabolism and other related factors. It will be smart to at the very least watch for an amount of 3 full months before applying for a lifetime insurance. This way your likelihood of becoming eligible for a thorough life insurance policy, gets greatly enhanced when your tests for the presence of THC prove negative.