RESOURCES - UNderwriting
"Occasional" Marijuana Users Qualify As Nonsmokers

• Lincoln Benefit Life – If usage is admitted upfront and the use if for medicinal purposes, we rate for the underlying cause and nonsmoker is allowed.
• Lincoln National – If marijuana use is occasional, non smoker rates would apply. However, if labs are nicotine positive for any reason, smoker rates would apply. Also smoker rates could apply if use is more than occasional. Medical use of marijuana. We treat these individuals as we do others receiving pain medications for chronic pain. Our assessment depends on the medical history/prescription use given for this chronic pain. We would require that there be well documented medical records in order to make an assessment
• Prudential – Occasional usage, 2 times per month, with negative urinalysis Nonsmoker Plus would be our best offer. PRU will run a drug screen for the level of THC if the client admits to usage. Higher levels can result in a different outcome.
• United of Omaha – Occasional use, less than once a week, and a THC level < 100, would qualify for Standard Nonsmoker. This assumes they fully disclose the amount and frequency used and it equates to the THC level in the urine.