- Staff
- #11
AIG (formerly American General): If you smoke 2 times a year or less, you can get Preferred Best Non Smoker rates. If you smoke 2 times per month or less, you're at Standard Non Smoker. If you smoke more than 2 times per month, you're considered a smoker with a possibility of a table rating. You CANNOT show THC on your labs.Pot Friendly Carrier. Can you suggest any?
Legal and Geberal (formerly Banner Life): Occasional use will be Standard Smoker. Daily use will start at a substandard Table B Smoker rate.
Fidelity: Standard Smoker if there is any use in the past 12 months.
Voya (Formally ING Reliastar): IF you're over age 26 and smoke 2 times or less per month, you can get Standard Non-Smoker rates. If you smoke 2-4 times per month and over age 26, you're at Standard Non-Smoker Table 8 rates. If you smoke 1-4 times per week, you're at Table 8 Smoker. Under age 26 and if you smoke more than 4x per week, you'll be declined.
Lincoln National: 1 time per month and you can get preferred plus non-smoker rates. 1-2 times per week is preferred non-tobacco. 3-4 times per week is Standard to Table 2 non-tobacco. 4-6 times per week is Table 2 to Table 4 non-tobacco. If you smoke daily, it's a decline. You CANNOT show THC on your labs
MetLife: 1-4 times per week is preferred non-tobacco! IF you smoke daily it's Table 4-Table 8 non-tobacco rates. You CANNOT show THC on your labs.
Mutual of Omaha: 3 times per month or less per month is standard non-tobacco. 4-8 times per month will be rated and a case by case basis. More than 8 times per month is individual consideration to decline. THC on labs must match admitted usage.
Minnesota Life: Occasional and recreational use of at Preferred Non Smoker, but you have to test negative on your labs. If they find THC is your system, it's a Smoker Table 3 rating.
Protective: Standard Smoker at best for any amount. Could be substandard or decline depending on usage and if recreational or medical.
Prudential- For marijuana use up to 2 times per month and a negative lab result, you can qualify for Standard Plus Non Smoker. For use up to 4 times per week, in will be a Substandard Table B Non Smoker (can be positive on labs). Over 4 times per week is a decline.
Transamerica - Standard non-smoker rates if you smoke less than 12 times per year. 13 or more times per year and you're Standard smoker rates.