Congress to Vote on EXPLICITLY Creating a Police State (Big Picture)
If You Thought Police Brutality Was Bad … Wait Until You See What Congress
Wants to Do Next Week The police brutality against peaceful protesters in
Berkeley, Davis, Oakland and elsewhere is bad enough. But next week, Congress
will vote on explicitly creating a police state. The ACLU’s Washington
legislative office explains: The Senate is [...]
Big Picture
Canadian National
Canadian National Railway trains meet on a cold winter day
Canadian Life Insurance Plans And Cocaine Use
According to 2009 data from a survey on Canadian consumption of alcohol and drugs, crack and cocaine were the most prevalent drugs used by those 15 years or older, right after marijuana.
Whereas cannabis was used by more than 10% of Canadians in 2009, approximately 1.2% of people had experience with crack and cocaine. Almost 11% of Canadians had experience with one of six prohibited drugs in the same time span. Among these drugs are heroin (diacetylmorphine), ecstasy, cocaine and/or crack, speed, hallucinogens (excl. salvia), and marijuana. 17.7% of men and 7.6% of women had used drugs, with the rate of adolescent drug experience at a whopping 27.3%.
Forbidden drug use has been moving back in Canada since 2004, creating many former users and addicts who will look for life insurance in the future.
Life insurers do not particularly fancy cocaine use or the use of other recreational drugs. In most cases, ongoing drug use will lead to an automatic turn down. This is due to the fact that unlawful drug experience is an unfavourable LINK1:pre-existing medical condition. Current drug users may still have a chance with simplified issue insurance policies. These plans do not have any medical testsand usually do not have a drug related question.
This is how leading insurance companies perceive cocaine, heroin and ecstasy:Present drug use will lead to an automatic turn down.If the insured has not been using drugs for more than four years, the insurance quote will almost certainly bring about a policy rating if the applicant is otherwise in good shape. A policy rating means that a qualified applicant pays an additional premium premium on his or her coveragebecause the insurance company bears increased risk. Ratings are typically in multiples and can be anywhere from 1.5x to 5x thetypical policy charge.If the insured has not been using drugs for 4 years or more, the insured may be eligible for standard premiums, i.e. without rating. This, however, only holds if there are no additional underlying health problems and lifestyle issues.An insurance advisor with experience in this specific area can help you get a good deal.
The author is an insurance specialist and an expert on hard-to-insure clients. He works with over a dozen Canadian insurers, such as Manulife financial life insurance and Sun life insurance.
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