Business Details
17 Years
experience
Trusted Life Insurance for Marijuana Users
Marcan Insurance is a specialized life insurance agency dedicated to helping marijuana users secure affordable coverage since 2009. With access to over 70 insurance companies, we provide personalized solutions for recreational users, medical marijuana patients, and cannabis industry professionals. Our team of experts prioritizes client confidentiality under HIPAA laws and works independently to match clients with the most competitive rates.We specialize in navigating complex underwriting criteria, offering no-exam policies, and assisting clients with health issues or prior denials. Our mission combines over a decade of industry experience with a commitment to transparency, ensuring clients receive nonsmoker rates when applicable and comprehensive guidance through the application process.
Services
Life Insurance for Marijuana Users
Medical Marijuana Coverage
Cannabis Industry Policies
No-Exam Life Insurance
Business Life Insurance
Details
- Year established: 2009
Highlights and features
- 10+ years of experience specializing in marijuana-friendly life insurance
- Access to 70+ insurance companies for unmatched rate comparisons
- HIPAA-compliant confidentiality for all client disclosures
- No hidden fees or sales pressure; independent agent representation
- Expert guidance for clients with health issues or prior denials
Associations and certifications
- Better Business Bureau (BBB)
- California Department of Insurance
What people say
"250% more coverage for same price"
"Approved after prior denials"
"Painless application process"
"Competitive rates guaranteed"
"Expert cannabis industry knowledge"
Services
Life Insurance for Marijuana Users
We specialize in life insurance solutions for recreational marijuana users, ensuring accurate underwriting that differentiates cannabis use from tobacco. Our expertise secures nonsmoker rates for eligible clients through insurers with progressive underwriting guidelines. Policies include term and permanent options with transparent pricing.
Medical Marijuana Coverage
Tailored life insurance for medical marijuana patients, evaluating underlying health conditions separately from cannabis use. We partner with insurers that assess treatment indications to maximize approval chances while maintaining HIPAA-compliant confidentiality throughout the underwriting process.
No-Exam Life Insurance
Fast-approval life insurance options requiring no medical exams, ideal for clients seeking convenience or with health complexities. These policies offer guaranteed issue and simplified underwriting while maintaining competitive rates through our exclusive insurer partnerships.
Cannabis Industry Policies
Specialized life insurance coverage for cannabis industry professionals and business owners, addressing federal legal challenges and insurer biases. We secure standard policy approvals for growers, dispensary owners, and ancillary service providers nationwide.
Health Issue Support
Expert assistance for clients with pre-existing conditions or complex medical histories, including DUIs and chronic illnesses. Our team identifies insurers with lenient underwriting criteria to maximize approval odds while ensuring accurate health disclosures.
People
Chris Abrams
Founder
Chris Abrams founded Marcan Insurance in 2009 with a mission to help marijuana users obtain life insurance. With over 10 years of experience, he specializes in cannabis-related underwriting and holds licenses with the California Department of Insurance.
Bennet Bier
Insurance Advisor
Bennet Bier leverages deep knowledge of life insurance underwriting guidelines to secure approvals for marijuana users. His expertise includes navigating complex insurer requirements and optimizing policy structures for clients with unique needs.
Jessi Lundell
Client Care Manager
Jessi Lundell manages client relationships with over 10 years of customer service experience. She ensures prompt, transparent communication and personalized support throughout the insurance application process.
Questions
Will admitting marijuana use affect my life insurance rates?
Marijuana use disclosure can impact rates, but our specialists identify insurers offering nonsmoker rates for responsible users while maintaining HIPAA-compliant confidentiality.
Can medical marijuana users get life insurance?
Yes, medical marijuana patients qualify for coverage by addressing underlying health conditions separately from cannabis use through specialized underwriting processes.
Are no-exam life insurance policies available?
We offer no-medical-exam policies with simplified underwriting, though these typically cost 20-30% more than fully underwritten coverage options.
How do cannabis industry professionals obtain coverage?
Our specialists work with insurers that approve applications for marijuana industry workers despite federal legal complexities and standard industry biases.
Can I get life insurance after a denial?
Yes, we help clients with prior denials by identifying alternative insurers and optimizing application materials to address previous underwriting concerns.
Is marijuana use confidential with insurers?
All disclosures receive HIPAA-compliant protection, with information only shared with underwriting departments through encrypted MIB reporting systems.
