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Life Insurance

seaking420

seaking420

New member
Anyone know some information on life insurance. I'm looking into it but my problem is that I smoke pot about once a day and don't know if they test for that. Most places seem to ask if you smoke cigarettes and that I don't, but if you answer yes to that it spikes up your rate 200%. Any info would be great. Are there place that don't ask if you smoke? Do they test for both pot and cigarettes
 
Depends on how much i have a 500 k policy and it cost me 46 a month for a 25 year term. I had to have a nurse come to my house and take my blood they trst you for everything. And they ask you all kinds of questions. Like if you said no to pot and you died and they found out you did smoke pot of some shit policy would be null and void. But i do remember when i only had a 50 k one i had no blood taken so it all depends on company and how much your getting the more you go for the more test they do so you dont drop dead in 2 weeks and someone wins the lottery. I go through state farm
 
yes they do test for pot.....now SOMETIMES you can get a small term policy for 50,000 or less and they may not test....the best advice I could give you is to get off the pot, clean your system and then get it!! What is that about 30 days?
 
kano said:
Depends on how much i have a 500 k policy and it cost me 46 a month for a 25 year term. I had to have a nurse come to my house and take my blood they trst you for everything. And they ask you all kinds of questions. Like if you said no to pot and you died and they found out you did smoke pot of some shit policy would be null and void. But i do remember when i only had a 50 k one i had no blood taken so it all depends on company and how much your getting the more you go for the more test they do so you dont drop dead in 2 weeks and someone wins the lottery. I go through state farm
Click to expand...

Sorry Kano, not true. For example we also ask if you do deep sea diving, sky jumping, race car driving etc....as long as your not at that point and you get a perm policy then whos to say you didn't just pick up one of those sports at a later date. If you get a term policy then you will have to requalify at the end of your term. Now unless it varies from state to state...I don't know. We do ask allot of questions and if you lie...we will find out when we get medical records from dr and from pee and finger prick test that is done. I even had someone turned down once becuase his medical records shown him to have depression. Safe bet is to get your system clean and then get policy...Getting something permanent is the best way to go but does cost more. I suggest this one because you won't ever have to requalify for it. (unless cancelled for non-payment)
Hope that helps. ;)
 
KSHARP01 said:
Sorry Kano, not true. For example we also ask if you do deep sea diving, sky jumping, race car driving etc....as long as your not at that point and you get a perm policy then whos to say you didn't just pick up one of those sports at a later date. If you get a term policy then you will have to requalify at the end of your term. Now unless it varies from state to state...I don't know. We do ask allot of questions and if you lie...we will find out when we get medical records from dr and from pee and finger prick test that is done. I even had someone turned down once becuase his medical records shown him to have depression. Safe bet is to get your system clean and then get policy...Getting something permanent is the best way to go but does cost more. I suggest this one because you won't ever have to requalify for it. (unless cancelled for non-payment)
Hope that helps. ;)
Click to expand...


Sorry let me be more clear . Like if they ask you if you ever been treated for any heart problems or anything like that and you say no. They give you policy find out after you die you have seen a doctor for problems thet you said no to them about then they can denie payment. S
 
Thanks for the replys.

yes they do test for pot.....now SOMETIMES you can get a small term policy for 50,000 or less and they may not test....the best advice I could give you is to get off the pot, clean your system and then get it!! What is that about 30 days?
Click to expand...

I thought of that, but I've heard that they can check back for a few years, is that true? I know the THC is out of your system in 30 days through urine but I'm not sure in blood tests.


stupid pothead
Click to expand...

I had a feeling someone was going to have some stupid comment.

BTW, seaking is spelled wrong.
Click to expand...

Please correct me then.
 
seaking420 said:
Thanks for the replys.



I thought of that, but I've heard that they can check back for a few years, is that true? I know the THC is out of your system in 30 days through urine but I'm not sure in blood tests.




I had a feeling someone was going to have some stupid comment.



Please correct me then.
Click to expand...
Look it up
Dictionary.com
 
wwwwoooowwww, look everyone its dumb and dumber. I ask a question regarding life insurance and these 2 clowns have nothing better to do than to make stupid remarks. You both are obviously 2 kids that have no clue.
 
I was thinking of getting term insurance instead of whole life, just because it seems that it would be the best fit for my current situation. What whole life policy did you get? and with who?
 
seaking420 said:
I was thinking of getting term insurance instead of whole life, just because it seems that it would be the best fit for my current situation. What whole life policy did you get? and with who?
Click to expand...
My dad is an Executive VP with NY Life Insurance Co. That's who I went with.
 
seaking420 said:
wwwwoooowwww, look everyone its dumb and dumber. I ask a question regarding life insurance and these 2 clowns have nothing better to do than to make stupid remarks. You both are obviously 2 kids that have no clue.
Click to expand...
stupid remarks huh?!
I am far from a kid there buddy. But hey, think what you will cause guess what

Tis the internet and i dont give a fuck!
 
seaking420 said:
wwwwoooowwww, look everyone its dumb and dumber. I ask a question regarding life insurance and these 2 clowns have nothing better to do than to make stupid remarks. You both are obviously 2 kids that have no clue.
Click to expand...
This is C&C.
 
Angel said:
stupid remarks huh?!
I am far from a kid there buddy. But hey, think what you will cause guess what

Tis the internet and i dont give a fuck!
Click to expand...


and like the ladys says tiss the season to be a asshole lol
 
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