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Marijuana

Now this is a truly up in the air underwriting subject. With medical marijuana use being legal and now
recreational use in at least two states I suspect we will see application drug questions changing. But, for
the here and now most companies will decline admitted pot use. There are a few companies that will
approve occasional (once or twice a month) use at standard non tobacco rates and more frequent use
can be approved by several companies at standard smoker rates.