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You just scheduled your life insurance medical exam. It’s a week or two away so you think you have some time to prepare to get the best rates possible.   This is a great plan. There are not a lot of things you can do in a week to change your rates from standard to.. More

More than 40% of Americans smoke (or have tried) marijuana. Which makes it the most popular drug in the country after tobacco and alcohol. With such common use, this leads many families to wonder if they have any legal protections for marijuana confidentiality with life insurance or any other type of disclosed health information. Many.. More

The use of both medicinal and recreational marijuana is more popular than ever. More and more states have or are in the process of passing legislation which allows the legal use of either medical or recreational marijuana. The question of how THC impacts life insurance is becoming increasingly common across the nation. Yet many life.. More

It’s dangerous to skip making a buy-sell agreement in place when you have two or more business owners. Buy-sell life insurance can help fund an extra layer of protection for your business. Why is this important? Buy-sell life insurance for both or all owners will ensure the successful transfer of ownership if one of the.. More

Whether you are a sole proprietor or have partners, the majority of lenders or investors require that you have a business loan life insurance policy in place before they approve your loan. This is commonly called collateral assignment of life insurance. Many people overlook the requirement for collateral assignment of life insurance until the last.. More

The enzyme multiplied immunoassay technique (EMIT) test is one of the most common types of drug tests for life insurance companies. It’s also the most common drug test companies use on their employees. Also known as the EMIT test, this is just one of many drug tests in use today. Although it is the most.. More

Whether you indulge in tobacco or marijuana, finding affordable life insurance can be tricky. The good news is that unlike marijuana, you won’t be flat out declined for smoking cigarettes. Life Insurance for smokers is easier. Unfortunately, it tends to be more expensive. A lot more expensive. The good news is that nearly every life.. More

Banner is one of the handful of marijuana friendly life insurance companies. Although you will find “marijuana friendly” has a fairly loose definition among life insurance companies. While Banner Life Insurance and marijuana are compatible, it depends on how frequently you smoke. Is this company right for you? We will take a look at who.. More

Protective Life Insurance Company made it onto our Top 12 Marijuana Friendly Life Insurance Company List.  Although most life insurance companies will outright decline any marijuana use. Even in states where it’s perfectly legal. Protective Life Insurance and marijuana consumption merit further discussion because they have fairly stringent rules. They will not outright decline you.. More