Determining Your Life Insurance Premium When You Smoke Marijuana
In most cases, life insurance carriers will require applicants to undergo a medical examination before making a determination on policy approval. One of the primary reasons for this is because insurance companies want to get an idea of how much risk they may be taking on if they accept an individual for coverage.
The medical exam usually entails answering some in-depth health-related questions, as well as submitting a blood and urine sample for testing purposes. These samples are typically reviewed for various health conditions that the applicant may have.
So, how can an insurance company find out whether or not you smoke marijuana?
Typically, THC will show up will show up on a blood test between three and fourteen days after smoking pot, depending on how frequently the applicant uses it. Likewise, marijuana can also be detected in an individual’s urine for up to thirty days, depending on how frequently it is used.