Chris Abrams, Author at Marcan Insurance

All Posts By Chris Abrams

Chris Abrams is the Founder of Marcan Insurance, an online insurance agency specializing in helping marijuana users get approved for the best insurance policy at the lowest cost. Chris has been life and health insurance licensed since 2009. He and his team have an active insurance license in all 50 U.S. states and D.C.

While cannabis legalization is spreading across the U.S, many insurance companies still have a bias against users. If you apply with the wrong insurance company, you may be declined for coverage or pay a higher rate than necessary.

Marcan Insurance works with the highest rated insurance companies that are marijuana-friendly. These companies will approve you for coverage and you do not need to hide your use. You will also be approved at a non-tobacco rate, if you haven’t used cigarettes within the past 12 months. You should not be paying tobacco rates for life insurance if you use marijuana.

Chris and his team are a resource for insurance, investments and financial planning. Chris is a fiduciary and will always place your interests first and as highest priority. In addition to Marcan Insurance, Chris is the owner of Abrams Insurance Solutions. His companies are A+ rated by the Better Business Bureau.

Chris writes and approves all of the content on this website. He is often consulted as a resource for many other publications and website content.

Press and Media Featuring Chris

Articles Written By Chris

life insurance for marijuana users. Learn how you can get non-smoker rates

Life Insurance for Marijuana Users: The 2026 Ultimate Guide to Non-Smoker Rates

Key Takeaways Yes, many marijuana users can qualify for Standard or even Preferred non-smoker life insurance rates in 2026. Pricing depends primarily on frequency of use, consumption method, and overall health. The final rate class is determined by a full underwriting review and varies by carrier, health profile, and state. Introduction Disclaimer: This guide is…

How Long Does Synthetic Marijuana Stay in Your System?

Sometimes, when people are getting ready to take the life insurance drug test, we’ll get questions like, “how long does synthetic marijuana stay in your system?” (We get the question about lots of other drugs, too.) The question isn’t as straightforward to answer as we’d like since the chemical compounds between different manufacturers vary. Note:…

The Multifaceted World of Hybrid Cannabis: Understanding Its Effects

The advent of hybrid cannabis strains and their increasing popularity offers a broad, customizable spectrum of effects for both therapeutic and recreational needs. Here, you’ll learn about the nuances and how blends of different trains can influence the experience with the final product. Quick Takeaways Explanation of Hybrid Cannabis Strains Hybrid cannabis strains come from…

Wax Marijuana Side Effects – The Good & The Risks

Today, we’re covering the side effects of wax marijuana, also called cannabis wax, weed wax, or dab wax. Please remember that we’re not doctors. We’re insurance agents making sure you aren’t overpaying for a policy by being charged smoker rates. This is not medical advice. Always talk with your doctor. Quick Takeaways What is Wax…

Is CBD Flower Legal? Let’s Look At State & Federal Laws

In this article, we’re going to cover the question, “Is CBD flower legal?” The short answer is: federally, it’s legal. But several states have made it either illegal or a gray area. So let’s look into the details, like what differentiates CBD from THC, what CBD does, state law versus federal law, and drug testing.…

Will Full-Spectrum CBD Oil Make Me Fail a Drug Test?

In this article, we’re diving into the question, “will full-spectrum CBD oil make me fail a drug test?” We’ll also look at the differences between full-spectrum CBD products and CBD isolate because that may make the difference in a drug test too. Key Points Full-spectrum CBD shouldn’t create a positive result for the presence of…

What is the Healthiest Way to Smoke Marijuana?

These days, it seems like there are more options to consume THC than strains of the cannabis plant. What’s the healthiest way to smoke marijuana? Everyone knows that smoking (tobacco) is bad for you. And for so long, smoking cannabis was the norm, with the occasional brownie on a special occasion. In this article, we’re…

What is Considered Heavy Marijuana Use?

We’re going to cover the differences between light and heavy marijuana use in terms of short-term effects, long-term effects, risk factors, and treatment options if you feel that you’re having trouble reducing the amount of cannabis consumption. We promise to try to avoid all of the scare tactics and Negative Ned things, instead focusing on…

Is CBD Better than Nicotine?

In this article, we’re digging into the question, “Is CBD better than nicotine?” We’ll look at what each chemical does, the associated health risks, other side effects to consider, and other potential impacts on your life. While there are many CBD products available, we’ll be focusing on the most direct comparison between CBD e-liquid and…