I am not aware of any that will give non-smoker rates. There are a few that will for cigar smokers. Insurance companies do not recognize state law just federal so no breaks for having a MMJ card etc.
I've already stated multiple times in this thread that prudential will give non-smoker rates for MMJ.
Just adding some more opinions on the matter here... Blue is my responses.
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.
The reward is paying the premiums for preferred plus or preferred non-smoker for the rest of your life. Vs the “best” smoker rate which is standard smoker. Usually the difference is about 200-300% more in premium and goes up parabolically at about the age of 65.
I have nothing in my medical files that will cause me to get bad rates (save for the MJ smoking). Another dr visit will not improve my health or my rates anymore that. Another dr visit will also not undo any of my past office visits that are already on record.
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.
Again, you will not get diagnosed with cancer if you get a physical and do not request a blood profile. If you have high blood pressure go check it first, if you go to a doctor and have a high blood pressure reading you don’t have to list that doctor on your app or sign a HEPA letting the Ins Co. see it. Not listing doctor visits in almost a decade is not going to help you with the underwriter. They have much more discretion in making decisions on ratings that the general public knows about.
So you're telling me no one ever gets diagnosed with cancer unless they specifically go in and request a blood profile to be done? I've never been diagnosed with cancer so I can't refute that, but I find it hard to believe a dr would never be able to detect warning signs and decide to move forward. Also how the fuck do people get diagnosed with cancer, especially early detection before they have any symptoms? They just happen to pop into the dr and request a blood cancer test?
And yes you most certainly do have to list that dr on your application and let the insurance company see it. To not do so is "material misrepresentation" and if they discover it at any point within the 2 year contestability period they can cancel your policy. If you live past the 2 year period without them discovering it then they can not contest it, but it is false to say you don't have to disclose it.
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?
Because that is a huge red flag to the underwriter, they are not robots and have seen it all before. You will most certainly not get any benefit of the doubt in your rating.
But somehow no medical history for 7 years, then a quick visit to the doc a week before my life insurance application seems totally normal and not like a red flag?
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?
Same thing, they will assume that you are not responsible in checking up on your health. And, not give you any benefit of the doubt at all. A recent doctor visit looks very favorable to an underwriter.
Also the same thing. They will think no dr visits for 7 years, then a quick physical a week before the paramed exam is someone being responsible with their health and not a red flag?
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.
They cannot cancel your policy based on anything they find in the MIB as long as you pay your premiums. They can deny claim if you die within 2 years, that’s it.
They most certainly can. If you lie about something, and they discover it, they not only can, but they will cancel your policy regardless of whether you are caught up on premiums. I think the misconception here is that they tend not to launch a full investigation while you are alive and paying your premiums, so it's usually only an issue before they issue the policy, or in the event of your death within the 2 year period. Once you are approved and paying your premiums it's not very likely they will investigate you unless you die within the 2 year period.
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.
Doesn’t matter, they cannot cancel the policy, only deny claim if you die. You would still have an inforce policy that could not be cancelled.
I don't understand why you think they can't cancel a policy for fraud if you are paying your premiums. It's not likely they will actively investigate my policy without cause, but if they did find out they could cancel it or adjust my premiums.
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.
Potentially, is the keyword. This is not guaranteed or locked in stone in any way. Check the policy language and see for yourself.
No but you always have the option to cancel your policy if you can't get the better rate you want. And your price is locked in stone, they cannot raise it, it's in the contract. So you have nothing to lose, but you do have potential to gain.
However by going to the dr before you lock in your rate you run the risk of actually increasing your premiums.
Not if you are following my game plan. You are already choosing to omit certain doctor visits under this plan. If you get some kind of adverse diagnosis there is no difference in not disclosing that doctor either.
No YOU are advising me to omit certain doctor visits. My game plan is, and always has been, to not omit any of my doctors visits. My only lie will be about unprovable recreational usage. So under my game plan I will get non-smoker rates and not run the risk of fucking my wife and child over if I die within the contestability period.
Also, they do test for drugs. Maybe not on 100k to 250K policies. But, on 500-750k+ policies they do. Just like they will require an ECG on policies over 2mill usually. They are not in the business of overlooking things that will allow them to collect more premiums.
Not in your blood, only in your urine. The blood test is for diseases only.
You would be surprised at the things that can influence underwriting. Trying to get a policy at the end of a quarter (as now) or end of the year, will often get better ratings. Not always the case, they have a certain amount of risk they can take on in a given timeframe. If they have “room” they will give better ratings, if they don’t they will be very stingy. It is best to put on the best appearance on your app whatever you decide to do.
Either way you will be lying to some extent. Your concern about buying insurance in the future is somewhat valid, but as you pointed out there is a 7 year period in the MIB. Any 10 year term policy will outlive that timeframe.
Good Luck, just trying to add some insight.
I have already stopped smoking for 18 days. I just took a take home piss test and failed. I will be getting insurance once I am clean, and hopefully never be repeating this process. Being sober is for suckas. Also I would like to get it sooner rather than later. Every day I wait is a slightly higher risk of dying or having failing health that will disqualify me.
I will be lying, but it will be an unproveable lie. My MJ usage will be considered medical, and won't be in the previous 12 month time frame, thereby giving me non-smoker rates through certain companies. There will be no way for them to prove I lied about it. The only evidence they will have will be my clean piss test, which will be in my favor.
Peace,
Cascadian
