RESOURCES - UNderwriting
"Occasional" Marijuana Users Qualify As Nonsmokers

• Lincoln National – UL ONLY – client must be 35 years or older. Usage admitted to the application. No more than one to two times per month.
• Prudential – Use admitted on the application. One to two times per month possible Nonsmoker Plus. More use could result in a decline.
• United of Omaha – Clients who admit to occasional usage, one to two times per week, and use no other tobacco receive Nonsmoker rates. All classes are eligible.