Life Insurance for Marijuana Smokers

Individuals who are afraid of needles or revealing health conditions through blood and urine tests for life insurance have an alternative. offers individuals a simple and quick way of getting a policy completely online. Answering seven simple questions can mean instant coverage for a qualified individual.

Life Insurance for Marijuana Smokers - No Med Exam Required

Fort Collins, CO - June 30, 2008 - For a long time people have kept from getting a life insurance policy due to health conditions, the need to protect privacy or lack of time. With, obtaining quality health insurance is no longer an issue. No paramed exams are required; instead only seven questions must be answered to determine if the applicant is eligible.

Marijuana smokers and others who feel the need to stray from a life insurance policy to save their reputation can use to get a quick quote and, most of the time, instant coverage. Individuals no longer have to fear their health conditions or bad habits being reported on their permanent record.

Bob Lutz, the advisor and public face for the site agrees. "People are more concerned about their privacy, and know that information from a life insurance paramed exam can end up on their permanent record. Now they have the option of quickly getting life insurance coverage without having to submit to invasive blood or urine tests." helps individuals by offering a way to protect their privacy while getting the insurance they need to protect their loved ones. Just like a credit application for a new car or home, immediately checks the individual's medical history on their "MIB Consumer File" at This is a national database that all North American insurance companies have access to, and it reveals any derogatory information on your health, as previously reported to insurance companies or written on prior insurance applications. The report includes information on medical conditions, medical tests, potentially hazardous occupations and poor driving history. If your MIB report is clear, you are approved instantly.

"We feel that it is important for people to guard the privacy of their medical records. When you let an insurance company do blood and urine tests, you are essentially giving up your right to that privacy. If you have a good medical history, then in my opinion what you do in your own time is your business, not the insurance company's."

Sometimes paramed exams taken by most life insurance companies can do individuals more harm than good.

"I have a client who had a paramed exam come up positive for marijuana use, even though he doesn't smoke marijuana. Not only was he declined for coverage, but he's been trying for 6 months to get this removed from his record, and still hasn't been able to do so," said Lutz.

Policy coverage options are between $50,000 to $500,000 and can be purchased in terms of 10, 15, 20 or 30 years; 20 years terms are the most popular. Answering no to all of the seven questions will automatically qualify the individuals applying for a policy. is an independent broker offering instant online quotes and applications. More information can be found at Individuals who would like a free and confidential consultation prior to applying for's life insurance policy can speak with Bob Lutz by calling (866) 429-5991.

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     From our clients...

I had actually been declined already when I came upon 420 Life Insurance.  Tim was great to work with, answered all my questions, and I'm happy to say now I have a million dollars in life insurance coverage.

T. Manley
Boulder, CO

Tim, thanks for the help!  This is something that my wife's been asking me to do for a long time, glad to finally check it off the list.

R. Anissimov
Portland, OR

I had a court order to get life insurance and wasn't sure what I was going to do.  I have two other friends in a similar situation that you should be hearing from soon.

G. Bell
Brentwood, TN