The length of time that marijuana stays in your system is highly variable, and depends on factors including the THC potency in the weed you consume. Most people donât realize that if they use weed with a higher THC level, it will stay in their bodies for a longer period of time. Think about it using this analogy to alcohol: if you consume stronger drinks, you stay drunk longer. One strong beer at 10% ABV is equivalent to 3 light beers at 3.3% ABV.
With a universal life policy, you can pick the starting premium and later increase or decrease the amount you pay. The minimum premium amount should be enough to cover the admin and insurance charges, almost like buying term life insurance.
Most term life policies include an option to convert the term life policy to a Universal Life or Whole Life policy. This option can be useful to a person who acquired the term life policy with a preferred rating class and later is diagnosed with a condition that would make it difficult to qualify for a new term policy. The new policy is issued at the rate class of the original term policy.