A very informative news piece from LifeHealthPro provides an excellent overview of life insurance companies and their current policies regarding offering coverage to cannabis consumers–be them recreational consumers or medical patients:
Ratings for the Marijuana User
Marijuana usage is not viewed as other drugs such as cocaine, for example. Testing positive for THC will not lead to a flat rejection of a life insurance policy. However, the use of this substance can result in receiving a cigarette smoker’s rates, which are substantially higher than those of a non-smoker.
Life insurance classifications for a marijuana user are guidelines and are not set in stone; they can change at any time per the company consideration. Also other health conditions could change consideration.
– American General: Smoking marijuana more than twice monthly could result in the rates of a smoker with the possibility of a table rating. Smoking two times per month will set the rating as a standard non-smoker. Applicants who smoke two times a year or less could be rated as a preferred best non-smoker.
- Banner Life: Applicants could be considered a standard smoker with occasional use. They could be rated as a substandard table B smoker with daily use.
- Columbus Life: Applicants over 25 years old who smoke pot experimentally to intermittently might get standard smoker rates. Moderate use could be a table 2 rating. Heavy use will be declined. Other drug use will also be a factor.
– Fidelity: A standard smoker classification will be given if there is any marijuana use in the past 12 months. However, an applicant be classified as a sub-standard smoker if medical marijuana is prescribed.
– Genworth Financial: Applicants who use marijuana eight times a month or less could be classified as a standard smoker. Users who smoke more than eight times may be considered a sub-standard smoker. Also, this company does not recognize prescription use of marijuana.
– ING Reliastar: If marijuana is prescribed, users could be classified as a Table 4 Smoker. With daily use, they could be classified as a preferred smoker.
- Lincoln Benefit: If a prescription is shown on one’s medical records and usage is stated on the application, applicants could be classified as a non-smoker. Occasional users without a prescription can be classified as a standard smoker.
– Lincoln National: Applicants can use marijuana up to two times per week and be classified as a standard non-smoker. Usage of 3-4 times a week will result in a sub-standard Table B non-smoker rating. Applicants will be declined if they use marijuana more than four times per week.
– Met Life: Applicants who otherwise would merit a preferred plus rating and uses marijuana occasionally (once a month to once a week) could get a preferred plus non-smoker rating. (More than once a week is equivalent to a smoker’s rate.) Daily use could be a table 4 rating. Heavy users could be declined.
- Mutual of Omaha: Applicants will rate as a standard nons-moker with up to weekly use. If lab results indicate more frequent usage, then smoker rates will apply.
- Minnesota Life: Applicants who test positive for THC could be given a smoker table 3 rating. Occasional or recreational users will be given preferred non-smoker rates but will have to test negative for THC.
- North American: Applicants over 25 years old who use marijuana 3-8 times per month could be rated a standard smoker. If they use 8-16 times a month they could be rated as high as a table 2 smoker. More than 16 times a month will be declined.
- Protective Life: Marijuana use could result in a standard smoker rating.
- Prudential Financial: Using marijuana up to two times per month and testing negative for THC will qualify applicants as a standard plus non-smoker. A Table B non-smoker (even with THC positive lab tests) rating will be applied if usage is up to four times per week. Usage over four times weekly will be declined.
- Transamerica - Marijuana smokers could be considered a standard smoker rate class with no other health issues.
Final advice from LifeHealthPro: Applicants who already have a life insurance policy in force may be paying unnecessarily high rates. Each company’s insurance underwriters view the use of marijuana differently. Don’t let your clients pay high life insurance premiums if less expensive alternatives are available.
Read entire article @ LifeHealthPro
The American Civil Liberties Union released a new report affirming NORML’s historic data that minorities are disproportionately arrested (and most certainly prosecuted and, worse, incarcerated) at a rate four times higher than whites for cannabis (based on per capita cannabis use rates).
In some midwest states–like Illinois, Iowa and Minnesota–minorities are arrested at rates eight times higher than whites.
ACLU’s report ‘The War On Marijuana/In Black And White‘ is a fascinating and well researched multimedia presentation about why America’s failed seventy-five year-old social experiment known as ‘Cannabis Prohibition’ must end, and new public policies created that reflect today’s public sentiment in favor of such reforms.
As more women are drawn to Humboldt County’s marijuana trade and off-grid lifestyle, a local battered-women’s shelter has noticed a growing trend of violent encounters. The Standard-Examiner reports that, “The bulk of… cases involve single young women aged 18 to 26, who may travel to the area and are lured to farms by promises of work, money and, often, romance. The women are hired for trim work, which involves cleaning freshly harvested pot and preparing it for sale.” Most women who survive violence are hesitant to seek help in general. The women in the pot-growing business however, are under even more pressure to keep quiet because they are part of a culture that promotes secrecy.
There is no doubt the pot-growing industry supports the local economy by pumping much-needed cash into the community. The problem is however, that because farm owners and managers (most of whom are male) are running illegal operations under federal law, standard employment regulations such as working conditions and sexual harassment laws do not apply. The Director of W.I.S.H (Women’s Crisis Center of Southern Humboldt), points out that, “Men managing the farms can be paranoid over the threat of raids or people stealing the plants. Women’s cell phones may be taken away and they may not be allowed to leave until season’s end. Some are forced off farms at gunpoint without being paid. Women may be beaten or psychologically controlled…”.
The cycle of violence is perpetuated by an underground, black market economy. This is just one more reason marijuana needs to be legalized and regulated. Moving the entire marijuana industry above ground will protect workers’ rights, hold employers accountable, and remove the culture of secrecy that continues to foster female exploitation.
As our nation edges cautiously toward majority support for marijuana legalization, the millennial generation is leading the way more than any other demographic in history.
Our generation has experienced as much or more tragedy than any post-WW II generation with the exception of the baby boomers. The difference is that boomers, who witnessed the assassination of a president, a presidential candidate and a major civil rights activist and who lived through significant social and political upheavals, also saw huge social progress, the evolution of equal rights, greater consumer protection and the end of the Cold War. Despite many bumps along the way, the economy remained intact for that generation, jobs were available and college was still affordable.
Millennials experienced on 9/11, the first major attack on U.S. soil since Pearl Harbor. We’ve grown up with homeland security threat levels, we’ve witnessed massacre after massacre in our schools and in public places that used to be considered safe (think Columbine, Virginia Tech, Sandy Hook, the D.C. snipers, Boston, etc). As young adults, we’ve been confronted with an economy on the verge of collapse, a world plagued by terrorism, an expensive and proliferating drug war, skyrocketing tuition costs and a job market that is barely there. Yet with all of that, we still believe in the glory of the America we were told about growing up. That, “America is the richest, most powerful country in the world, where everyone has the opportunity to make money and achieve the American dream,” and despite everything going on now, we believe that it still can.
So why, you wonder, do so many millennials (65% according to the latest Pew Research Poll) support the legalization of marijuana in light of all these other issues? It’s because we believe this is a serious national problem with a sensible fix and a positive outcome for everyone. (more…)
In another positive sign of the times for cannabis law reform, please find below a new video from the Washington Post’s The Fold looking at a couple of different situations where parents faced the legal-moral dilemma of whether or not to follow a physician’s recommendation for their young child to use cannabis as a therapeutic. Dr. Ben Whalley From Reading University in United Kingdom is interviewed about his recent cannabinoid research into the use of pediatric cannabis medicine for children, for example, suffering from epilepsy. As a twenty plus year reader of the Washington Post, it is very hard for me to imagine prior editors (and publishers) who would have assigned and widely broadcast a piece that looked at the potential health benefits from cannabis (meaning that as the World War II generation, informed by their government-created ‘Reefer Madness’, that largely ran the storied newspaper until recently has had to logically yield and defer to a decidedly more cannabis-informed generation of Baby Boomers and younger).