Underwriting Hot Topic: Improved Guidelines for Cannabis Use

Better guidelines = Better rates 

At Securian Financial, we continue to invest in delivering consistent and overall better underwriting offers. Our most recent update to our guidelines for cannabis (marijuana) use now helps more of your cases qualify for acceleration with WriteFit Underwriting^™ and overall better rates for some of your clients.

Streamlined and improved WriteFit Underwriting offers:

• Preferred Select for qualifying experimental or occasional use (up to 3 times per month)
• Preferred non-tobacco for qualifying intermittent use (up to 9 days a month)

Streamlined and improved Traditional Underwriting offers:

• Preferred Select for qualifying experimental or occasional use (up to 3 times per month)
• Preferred non-tobacco for qualifying intermittent use (up to 9 days a month)
• For moderate (10–16 days per month) users, if otherwise qualified:
  • Ages 18–24 Standard non-tobacco possible
  • Ages 25–39 Non-tobacco plus
  • Ages 40+ Preferred Non-tobacco
• For heavy (greater than 16 days per month) users, if otherwise qualified:
  • Ages 18–24 Table D
  • Ages 25–39 Table C
  • Ages 40+ Table B
• Tobacco rates apply only for vape or combustible use greater than 16 days per month

To learn more about additional guidelines and considerations, view this guide

Want to see where else we’re competitive?

Learn more about our WriteFit Underwriting program.