Preferred Best Non Smoker Rates for Medical Marijuana

A few years back, a prospect came to our website and ran life insurance quotes.  

When I called him to follow up, he answered the phone and said…

Hang on for a minute.  I’m in my office.  I need to shut my door so we can speak privately.

Upon his return, he told me the reason he’d been running comparison quotes.

He had just been approved by Transamerica for a $500,000 20 year term life insurance policy but…
there was a problem!  

They approved him at Standard Smoker Health Class and the rates were more than double the nonsmoker rates he was quoted by another agent.  

He explained to me that he does NOT smoke cigarettes OR use tobacco in any form and never had in his life.  

However, he did have a medical marijuana card (he lived in California).  

He explained to me that he used medical marijuana to alleviate most of the painful physical symptoms that resulted from an auto accident he had survived many years before. Otherwise —and apart from being quite upset about the huge price that he thought he was going to have to pay for his life insurance— he was in perfect health.

After shopping his case around, to multiple life insurance carriers, I submitted his application to Prudential and got him approved at Preferred Best Non Smoker Health Class!  

In the end, I saved him thousands of dollars and gained another satisfied client.  Thanks to Prudential!

Have you ever been approved for Life Insurance in the wrong Health Class… due to ‘medications and/or certain habits’?

Please tell us about it—

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Marijuana and Life Insurance – What You Need To Know Before You Apply

YES! YOU ABSOLUTELY CAN GET LIFE INSURANCE IF YOU USE MARIJUANA —WHETHER IT’S MEDICAL OR RECREATIONAL—  GET THE FACTS – WHAT YOU NEED TO KNOW BEFORE YOU APPLY!

The Bottom Line

As mentioned, this particular scenario occurred a few years back— at the time, it was noteworthy that he lived in California 😉