A history of drug use — whether recreational experimentation in the past, a period of dependency, or ongoing use of certain substances — does not automatically disqualify you from life insurance. But it does require a more careful approach to the application process and a clear understanding of how insurers evaluate substance use history. The […]
Life Insurance With a History of Drug Use: What You Need to Know Read More »
Marijuana legalization has expanded dramatically across the United States, and millions of Americans use cannabis recreationally or medicinally. But life insurance underwriting hasn’t kept perfectly in step with shifting laws and attitudes — and if you use marijuana, you need to understand exactly how insurers view it before you apply. The good news is that
Life Insurance for Marijuana Users: What You Need to Know in 2025 Read More »
If you’re over 50 and you smoke, getting life insurance isn’t impossible — but it does require a clear understanding of how the market works and where to look. Insurers are not in the business of turning away customers, but they are in the business of pricing risk accurately. Smoking is one of the most
Life Insurance for Smokers Over 50: What to Expect and How to Get the Best Rate Read More »
