Life insurance for a stoner

guy incognito said:

Care to elaborate?

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ive already said 2 much........theyre listening......

I recommend getting the longest period you can get. 40 yr? Do it! In 25 years you will be 55, and should easily make it to that age. Try getting even a ten year policy at that time. Shit is a few hundred a month for a decent limit.

Consider whole v term if the period is only 25 years. You should make it that far, try to get something back.

I hate insurance companies, and the big brother that this country has become. Seems only the good, honest people get the fuck. People come here from all over the world to run scams we pay for.

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 right now, so I am still researching. I don't want to take my piss test until after day 21.

Pro Tip: Mention a policy, but not how high the payout. It's never good for someone else to have an interest in your early demise.

ClaytonBigsby said:

I recommend getting the longest period you can get. 40 yr? Do it! In 25 years you will be 55, and should easily make it to that age. Try getting even a ten year policy at that time. Shit is a few hundred a month for a decent limit.

Consider whole v term if the period is only 25 years. You should make it that far, try to get something back.

I hate insurance companies, and the big brother that this country has become. Seems only the good, honest people get the fuck. People come here from all over the world to run scams we pay for.

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About a month ago there was a english as a second language guy at the corner store complaining that he doesn't get enough free stuff here and was going to talk to the church about sending him somewhere else! whatdafuq!?

ClaytonBigsby said:

Pro Tip: Mention a policy, but not how high the payout. It's never good for someone else to have an interest in your early demise.

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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.

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. I asked a lot of questions, but was still not 100% sure on how the fuck they rate medical and recreational use exactly.

So now my plan is to say I had a medical card for pain, but the problem is resolved and I have since let my card lapse. And that I have not smoked anything in 12+ months and will have to pass a piss test. Under this ruse I will get the best non smoker rates they offer. I will be lying, but I fail to see how they could possibly prove it. I just don't see how the insurance company could come back and say they disagreed with my statement that I hadn't used within 12 months of the application since they only administer a urine analysis and will have no proof. The rep also told me anything I do after the policy is in effect is fine, even heroin use, just as long as I didn't lie about it (which again, how can you prove that?).

WTF? double post.

your best bet is to save your money. Insurance companies don't have to work too hard to deny a claim if they want.

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 ass covered so there is nothing they can do to weasel out of the policy after I die.

you smoke/ed? and said you didn't...there ya go

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 will they be able to prove material misrepresentation?

Well, your picture is right there with all of your confessions here, if anyone wants to dig a little....

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

Dannyboy is right, it will go in the MIB and will effect your life insurance purchases for the rest of your life... and possibly health insurance as well.

What I would do is go get a check up/physical at a new Doctor and don't mention weed at all. Then wait a month or so and fill out the application listing only that Doctor and don't list other conditions that were treated by any Doctor that you told you smoked. Obviously, don't smoke for several weeks before the blood test (they do test for it). The risk here is that something happens to you in the next 2 years and they do an investigation. There is a 2 year contestability period where if you lie they can deny your insurance, after that no matter what it will be paid out.

Again, just what I would do. And buy term not a cash value policy, just my opinion...

Sorry if this is repeating info. I didn't read the whole thread.

Cascadia seems like he has the in on the process.

Good post

Cascadian said:

Dannyboy is right, it will go in the MIB and will effect your life insurance purchases for the rest of your life... and possibly health insurance as well.

What I would do is go get a check up/physical at a new Doctor and don't mention weed at all. Then wait a month or so and fill out the application listing only that Doctor and don't list other conditions that were treated by any Doctor that you told you smoked. Obviously, don't smoke for several weeks before the blood test (they do test for it). The risk here is that something happens to you in the next 2 years and they do an investigation. There is a 2 year contestability period where if you lie they can deny your insurance, after that no matter what it will be paid out.

Again, just what I would do. And buy term not a cash value policy, just my opinion...

Sorry if this is repeating info. I didn't read the whole thread.

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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, and you get the same rate you will qualify for anyway. Worst case scenario is discovering you have cancer and are now inelligable for life insurance. Or possibly even worse than that is NOT discovering you in fact have cancer, getting life insurance, then dying within the 2 year contestability period and having your pay out denied because you intentionally omitted previous doctor visits, even though it would have NOTHING to do with your cancer or your cause of death. Getting a new doctor and intentionally omitting previous doctors is still grounds for denial under "material misrepresentation", even if you aren't actually trying to hide anything.

guy incognito said:

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, and you get the same rate you will qualify for anyway. Worst case scenario is discovering you have cancer and are now inelligable for life insurance. Or possibly even worse than that is NOT discovering you in fact have cancer, getting life insurance, then dying within the 2 year contestability period and having your pay out denied because you intentionally omitted previous doctor visits, even though it would have NOTHING to do with your cancer or your cause of death. Getting a new doctor and intentionally omitting previous doctors is still grounds for denial under "material misrepresentation", even if you aren't actually trying to hide anything.

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He is already going to likely get denied or rated. And if you get a physical they do not test for cancer unless you ask them to run a blood profile. If someone is in reasonable health there is little risk to getting a physical.

I unlike you qualified my statements not once but twice. It is what I would do, again what I would do. I very clearly outlined the 2 year contestability risk. I could "materially represent" that I am an alien from mars and they will still have to pay out after the 2 year period.

If you really wanted to be safe, lets say you need 500k in coverage. Go get a 500k term policy that is convertible to permanent coverage. After a brief period go get a policy where you disclose all doctors, also for 500k through a different company (assuming you get accepted). Pay the premium for 2 years and drop it. No risk to not getting a payout...

Cascadian said:

He is already going to likely get denied or rated. And if you get a physical they do not test for cancer unless you ask them to run a blood profile. If someone is in reasonable health there is little risk to getting a physical.

I unlike you qualified my statements not once but twice. It is what I would do, again what I would do. I very clearly outlined the 2 year contestability risk. I could "materially represent" that I am an alien from mars and they will still have to pay out after the 2 year period.

If you really wanted to be safe, lets say you need 500k in coverage. Go get a 500k term policy that is convertible to permanent coverage. After a brief period go get a policy where you disclose all doctors, also for 500k through a different company (assuming you get accepted). Pay the premium for 2 years and drop it. No risk to not getting a payout...

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By he you mean me, as I am the OP. Anyway...

Seeing as how I am the OP I have qualified my statements many many times over during the entire thread. My main problem with your reasoning is that no good could possibly come from it. You say it is little risk, but it is absolutely no reward, so the ratio of risk to reward is infinite. I will not take that bet. I have no pre existing conditions on record that will disqualify me from obtaining insurance, other than admitting to MJ smoking. What you are suggesting will in no way help me, or anybody else for that matter. What you are suggesting has the potential to backfire drastically. Maybe you won't get diagnosed with cancer, but maybe you will. Maybe you also will be recorded as having high blood pressure, or any number of other conditions that could affect your rate. What you will not get diagnosed with is anything that will IMPROVE your rates beyond what the insurance company will independently determine. It's just like talking to the cops; You can try to rationalize it all you want but the fact of the matter is it CANNOT possibly help you, it can ONLY hurt you.

If I was going to go to a new doctor, and hope to get a clean bill of health, and then intentionally lie on my application form by omitting other doctors, why wouldn't I just cut out the middle man and omit my doctors records all together? Or only give them the info from my long past dr that I haven't been to in 7 years and claim I have had no doctor visits since then?

Another flaw in your reasoning is the MIB. Anything you do with the insurance company can potentially be reported to the MIB where it will remain on your record for 7 years. Getting caught intentionally lying to the insurance company will be reported to the MIB, and also likely end up with a canceled policy even if i'm not dead. Then the problem is that any other insurance company I applied to would have full access to my MIB file which would state all that information that I intentionally left out.

If you do have some kind of pre existing condition, or are a tobacco smoker you could potentially benefit from visiting the dr and getting a clean bill of health. However I would still strongly caution against going to the dr before locking in your rate. The thing with insurance companies is that you can redo the physical to get better rates after your policy is in place. For example if you get a policy as a smoker, then you quite smoking, and have some documentation from your doctor that you have in fact quit smoking and your health and lungs are improved, you could potentially retake the physical with the insurance company and qualify for a lower premium. However by going to the dr before you lock in your rate you run the risk of actually increasing your premiums.

Also for the record the blood test insurance companies do is for diseases (like HIV and hepatitis), not drug testing. And most drug metabolites are out of your blood within a couple days anyway, so you would only have to abstain for about 3 days to pass a blood drug test (which they don't administer anyway).

They do test for drug metabolites in the urine though, which lasts much longer as everyone on this site is aware of.