We know the people of this area. And that life insurance for adventurers and cannabis users is vital to your peace of mind.
So many of our family and friends who call the West Koots home are here to enjoy the very best in local outdoor recreation. After so many years serving this community, we understand that your life insurance needs to be the last thing on your mind as you enjoy your outdoor adventures.
We also understand that this area has always enjoyed a very liberal attitude towards marijuana use. Fortunately, with legalization, it’s easier than ever to have the security of knowing it doesn’t have to impact your life insurance.
Life insurance for adventurers
Given the popularity of adventure tourism – outdoor recreation and backcountry experiences – our goal at Nelson Family Financial Services is to simplify your life. We want to ensure your financial security as quickly and easily as possible so you can focus on your fun!
As a younger population of tech and remote workers has transitioned to living in our region, that means a lot more people enjoying the wonders of our expansive and breathtaking backyard.
Life insurance for adventurers is something we can do to help you feel more secure, taking advantage of the endless outdoor opportunities this area offers.
Bringing decades of experience unique to the West Kootenay, I offer specific expertise and understanding to successfully address your unique insurance needs.
Outdoor activities or extreme sports
It’s important to note that there is a long list of outdoor activities that are specific to life insurance for adventurers. In fact, insurance companies often consider these activities “Extreme Sports”:
- Winter Sports in Avalanche Risk Area
- Backcountry skiing
- Mountaineering
- Ice Climbing
- Heli-skiing
- Climbing
- Scuba Diving
- Parachuting
- Hang Gliding
- Paragliding
- Car or Motorcycle Racing
- Practising Aviation (not as a passenger)
When it comes to life insurance for adventurers, “Simplified Issue” is another name for extreme Sports insurance. It is a type of “No Medical term insurance” that you can get without requiring a medical exam.
Simplified Issue insurance products require you to answer a set of specific questions truthfully. As you probably already suspect, the premiums for simplified issue life insurance are higher than a traditional coverage. However, depending on the activities you participate in, it’s less expensive than rated traditional life insurance.
Find out more about life insurance for adventurers.
Life insurance for cannabis users
Despite the presence of cannabis in the region for many years, the recent changes in federal drug laws have further influenced the culture of our region. Without expert insurance guidance, it’s still a factor that can impact the financial health of yourself, your family, and your business if you’re an entrepreneur.
But Nelson Family Financial Services shops around for the best insurance plan to meet your needs. Given that, we have great freedom in the providers we work with and carefully select the company and product.
Fortunately, insurance companies no longer consider marijuana use a dangerous activity. With legalization in 2018, it’s now simply another lifestyle factor to consider.
The insurance industry has made modifications around marijuana and life insurance – from processing applicants to calculating premiums. Marijuana users can now purchase life insurance policies that suit their lifestyle and needs without necessarily paying higher, ‘smoker rate’ premiums.
As a marijuana user, you are classified as low- or high-risk depending on a few factors: how often you use it if you smoke or ingest it, and whether you use cannabis for medical or recreational purposes. That said, recreational marijuana use is typically considered low-risk.
