Drug use in Canada does not exist, depending on what you define as a "drug". Eleven percent of the Canadian population "cause problems with drugs or alcohol" according to a CBC survey, but this does not include people who use drugs as a recreational "no problem". This figure, especially when it comes to alcohol and cannabis, is far, much higher, and if there are only people who have classically defined addictions to illicit drugs such as crack cocaine and heroin then the number much, much lower.
Generally speaking, insurance companies are approaching drug consumption problems based on two key issues: a potential client using prescription drugs through appropriate channels or using drugs outside these channels and being statistically sensitive to certain obligations.
For the former, these issues are often revealed by the background checks and medical questions of insurance companies before they develop or offer policy. Certain medications, of course, have an impact on the person's life expectancy and life expectancy, while others pose certain health risks, even if provided by a healthcare professional. In these cases, the insurer takes into account the medical issues handled by drugs and the effects of drugs themselves in policy-making, but the policy is generally provided by most major health insurers.
For those who use illegal drugs, options are usually more difficult. Generally, insurance companies tend to provide policies, many are still cautious about offering cheap cigarettes.
Fortunately, there are still some options for drug users, especially those who use illegal drugs. Keep in mind that many of the directives do not deal with complications due to illicit drug use and do not disclose such information when they initiate insurance fraud, which can be a serious offense involving a serious fine and a prison sentence.
Generally speaking, illegal users have only one option for life insurance options: simplified life insurance policies that do not require medical questionnaires. This is changing as more and more insurance providers offer products specially designed for "difficult to secure" markets. Simplified insurance plans often require simple medical questions that do not involve any questions about drug use.
Medical Life Guidelines differ from supplier to supplier so it is useful to review these plans before contacting them to compare potential charges and coverage. Before submitting a formal insurance application, you can also ask the insurance broker to conduct an informal preliminary examination. Informal Preliminary Investigations are non-binding and may give you an idea of whether your application is a standard, rejected, or certified. Keep in mind that insurance providers may plan plans on the first day or two-year waiting times depending on your situation.
If you use or use illicit drugs and require life insurance, it is important to discuss your options with an insurance broker who is in the interest of you. The right team behind you can find the right policy.