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It is tested through a paramed exam with blood and urine samples taken.
Any presence used to be a decline. Now recreational marijuana users are considered at the same rate as cigarette smokers by many companies. Heavy users are often rated or declined.
It is very important that you are truthful when you complete your application for insurance to avoid problems at claim time.
An independent life insurance broker, who represents several companies, can help you find the right policy at the right price.
If you have further questions, or feel that I could be of assistance, please do not hesitate to contact me.
If you would like to work with a local life insurance broker, you could start with a Google search. For example, if you search for: life insurance broker Halifax or life insurance agent Halifax, my name, along with several others, will come up. You can use the same method to find a life insurance broker in your community.