Search results

And next time read the terms and conditions fully.

I agree that it looks like it is technically legally binding. Although it is intentionally deceptive and greasy as fuck. I would fight it anyway. 1. Call the company back directly and tell them you want to cancel your listing ASAP and you do not authorize any further charges. After that...

You most certainly do NOT want to get a check up or physical before getting life insurance. You run the risk of the dr discovering something you previously did not know about that will get you denied for life insurance. Best case scenario is you are in as good of health as you think you are...

Homer? Who is this homer? I am Guy Incognito.

It has to be provable. I will not be denying that I obtained my medical or that I smoked in the past. So how will they be able to prove any different? I posed the same question to the insurance rep and he said they will do an investigation and talk to my family and friends. But again, how...

Well not that I condone what insurance companies do, because I think they are inherently evil, but there are many laws in place to prevent them from denying claims for no reason. They generally pay out on a legitimate life insurance policy. The point of this thread is that I need to have my...

Has anyone used any of the take home drug test kits? Or have any opinions on their accuracy? I will be applying for life insurance soon and I would like to test myself before the insurance company tests me to verify I am clean, because the consequences will end up costing me thousands of...

WTF? double post.

I had some chats with some insurance reps too. It seems like prudential is the way to go as they are friendlier to marijuana. They will still accept you as a smoker. It seems as though I will still have to lie on my application, but I am ok with lying to them so long as it is not provable...

They have more of an interest in keeping me alive. I will end up earning more than the life insurance policy will pay out, hence not needing it after age 55. My wifes best interest is to keep me alive and chugging along providing for the family.

By age 55 I shouldn't need any, so the policy can end and I will be ok. The quotes I have been receiving vary wildly, from $270/yr up to about $600/yr, but i'm still unsure how my mj smoking and having my medical card in my medical records is going to affect that. I am only about 12 days clean...

Care to elaborate?

I do math stoned all the time. I usually do my taxes stoned. I also perform my job stoned (i'm an engineer). The math is same whether I am stoned or sober.

I'm sorry but it is a complicated subject with many caveats and significant ramifications. Thank you for adding some substance to my thread though.

You think people don't do it already? Several people have already stated in this thread they have done it or do it on a regular basis. I have never heard of even a single report of anyone dying from being stoned in a hot tub. Some people do EVERYTHING stoned. The dangers of marijuana are...

The grammar in this thread is atrocious. It's no surprise many of you started at age 12 or 13. Just because you personally started smoking/drinking/fucking at age 13 or whatever does not mean it was an informed or correct decision. I would say 18 is a much more appropriate age. Your brain...

Yes I have, and it was exactly as enjoyable as it sounds.

Bump in case anyone has relevant info

No. If you lie on your application it is called "material misrepresentation" and they will deny the claim and refund any premiums paid. This only applies for the first 2 years though during what is called the "contestability period", where they can contest the policy. If you lie in any way on...

Information in the MIB is purged after 7 years. This does me no good though because I would have to go 7+ years with no insurance, and then pay much higher premiums once my MIB is cleared. I want to lock in my 25 year term while I am relatively young and healthy.