We can get occasional marijuana use at "non-smoker plus" rate.
This is one rate class better than standard.
For regular users, we can still get a non-smoker rate but they will rate up 50% over the standard rates.
This is almost the same as a preferred tobacco use rate.
250k male age 40 with the 50% increase for a 20yr guaranteed level term is 79.20 a month.
Preferred tobacco rate is 71.75 a month and standard tobacco rate would be 93.63 a month.
You can email me (not my work email) at [email protected]


Ya know the difference between a stoner and an alcoholic?
An alcoholic will drive right over the stop sign. The stoner will wait for the sign to turn green. :-)