Carrier Selection
- Applicants rated or declined by one carrier may qualify for preferred elsewhere
- Key variable: Frequency of use
- Underwriting credits are available for: no other drug or excessive alcohol use; no mention of anxiety or depression in APS; no DUIs, clean criminal record; stable job and family life
- Tell us about your applicant and we’ll match them to the best insurer
Marijuana underwriting is getting easier! What is possible varies by insurer, age of the applicant, how it is consumed (smoked, vaped, ingested), frequency of use, whether it is prescribed or used recreationally, and the applicant’s overall health. Evidence of self-medication for anxiety or depression leads to higher ratings. Yes, it’s complicated! Our medical underwriting directors stand by to guide you toward our industry’s top solution. Call us at (562) 431-4000, send details via secure mail, or complete our online life quote request form. Let’s get your client covered and you paid!
Marijuana Use Pattern
Best Class
Notes
Up to 8x per month, non-vaping
Super preferred non-tobacco
Assumes no other tobacco use
Up to 3x per week, non-vaping
Preferred non-tobacco
Assumes no other tobacco use
Daily use (max once per day)
Standard non-tobacco
Assumes no other tobacco use
More than once per day
Varies by frequency of use
Medically prescribed, ingested
Preferred non-smoker
If smoked or vaporized: preferred smoker
Recreational, ingested, 1x month
Super preferred non-smoker
Assumes no other tobacco use
Recreational, ingested, 2x week
Preferred non-smoker
Assumes no other tobacco use
Recreational, ingested, 4x week
Standard non-smoker
Assumes no other tobacco use
Recreational, ingested, 5+x week
Individual consideration
Assumes no other tobacco use
