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Life Insurance and MarijuanaLife insurance is something a lot of people just don't like talking about, however if you have loved ones you want to make sure are taken care of if you pass then it's likely something you've considered - even if you've not taken action yet :)

An interesting turn of events with the legalization of Marijuana has presented some unique circumstances with life insurance underwriting.  Just because it's legal to use, doesn't mean it won't disqualify you from getting life insurance, or at the least getting a good rate on the life policy.

Some key points to consider if you're looking into finally taking steps to get that life policy:

Who: In 2013, 7.5% of Americans were using marijuana.
Translation: Currently, 24 U.S. states and Washington D.C. have passed medical marijuana legislation, while four states and Washington D.C. passed legislation defining permissible use, cultivation and sale of marijuana.

What: Tetrahydrocannabinol (THC) is the psychoactive chemical found in marijuana.
Translation: In the short term, THC affects areas of the brain responsible for processing pleasure, memory, thinking and coordinated movement, among others. Long term effects include damage to neurological functions, increased mental health risks, increased heart rate and breathing problems.

Where: THC can be found in saliva, plasma, urine and hair follicles, but the gold standard for insurance screening is urine.
Translation: There are numerous ways it can be detected.

When: Marijuana is not water-soluble; THC is absorbed in fat cells, which takes longer to metabolize out of the system. The exact time varies by individual, but THC may be detected in the urine up to three days post single-use and up to 40 days or more for chronic/regular users.
Translation: THC can be detected in urine for 3-40 days.

So now you know ... wait a bit before taking the little cup test ;)

If you're ready for more information on what the best product is for you give us a shout and we'll get you hooked up 832-779-8430.



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