What's their beef with hemp oil for insurance? I bet it's something real silly.
Oh I guarantee it's ridiculous. I was going to call the insurance company and ask more about it. However, after re-reading the insurance documents it's pretty clear that they're explicitly excluding any and all hemp-derived products. Little ol' me isn't going to change that, so I might as well just accept it. Also I realized that they're based in Utah, which is a notoriously conservative state, so that may have something to do with it as well.
The 2018 Agriculture Improvement Act finally removed federal restrictions on hemp cultivation in the US, but it's still weirdly semi-regulated by the FDA. Hempseed oil has nothing to do with the flower and doesn't contain any CBD or THC - even my 74 year old mother pointed that out when I was venting to her. However, my insurance company put a specific clause excluding ANY hemp derived products, hempseed oil included.
I'm in Colorado, which is another murky area since we have legalized weed products at a state level that are still technically illegal at a federal level. My guess is that the insurance company didn't want to open themselves up to FDA scrutiny if I was using CBD oil, or other federal scrutiny if my products contained THC. Why someone would waste perfectly good THC in soap is beyond me, but I digress...
Basically our regulations are way behind the times and the insurance company is probably just trying to CYA. It's pretty affordable insurance, so I guess I'm getting what I'm paying for.