Compare Rates

How to Buy the Best Life Insurance for Marijuana Users

Discover How Easy It Is to Secure Life Insurance for Marijuana Users in [2024]

Are you a marijuana user looking for life insurance coverage that understands your needs? Ourlife insurance for marijuana users agency specializes in providing life insurance for marijuana users.

We understand that your lifestyle choices shouldn’t hinder your ability to protect your loved ones financially.

That’s why we have partnered with over 40 of the most competitive life insurance companies in the market, ensuring that you have access to the best rates available.

Applying for life insurance as a marijuana user has never been easier. Our streamlined process takes the hassle out of obtaining coverage.

We have simplified the application and underwriting process to make it quick and efficient. We will guide you through every step, ensuring a smooth experience from start to finish.



How Will Smoking Marijuana Affect My Life Insurance Rates?

Marijuana use is not considered a high-risk factor for life insurance as it used to be. However, like cigarettes, excessivemarijuana life insurance use could become a health hazard due to lung damage.

Marijuana is considered a drug, and it is a good idea if you learn more about marijuana and its long-term effects.

Marijuana users do not automatically get smoker rates just because they are smoking. If you smoke marijuana and cigarettes together, you will get a smoker rate, which is common sense.

Heavy, consistent smoking of marijuana could result in higher life insurance rates and possibly a decline if you smoke grass on a very heavy basis. Insurance providers are more concerned with heavy smokers regardless of what they smoke. Cigarette smoking is at the top of the list of health hazards.

Heavy smoking of any product can cause lung damage over time. A significant factor will be what insurance company you apply with. They are all different, and they underwrite tobacco use and marijuana use on different scales.

The right life insurance company you apply with will be critical if you use marijuana for medical or recreational purposes. Your current health history is also much more essential than marijuana use.

Searches for Marijuana Life Insurance Are One of the most Common Queries on Search Engines

Approximately 42% of the requests we receive are from marijuana users from coast to coast. The cost of life insurancemarijuana smokers life insurance associated with marijuana use can go from a very minimal amount to no additional charge at all.

The worst case scenario would be a heavy marijuana smoker could receive a smoker rate as if he or she used tobacco products.

Take a look at the various queries marijuana users type into search engines to locate life insurance products on a daily basis.

There are over three thousand searches each day in America alone:

Life Insurance for Marijuana Users, Marijuana Smokers, Cannabis Users, Pot Smokers, Cannabis Users, Weed Smokers, Marijuana Consumers, Cannabis Smokers, Marijuana Enthusiasts, Pot Users, Weed Users, Marijuana Advocates, Marijuana Supporters, Cannabis Enthusiasts, Pot Consumers, Cannabis Advocates, Marijuana Lovers, Cannabis Supporters and many others.

Purchasing life insurance for fans of marijuana is very common today, which has also helped bring rates down.


Can I Conceal My Marijuana Use on My Application?

You never want to conceal any information you ask for on a life insurance application. Most life insurance companies test for marijuana use.

With most conventional life insurance applications, you will be requested to take a basic physical exam called a para-med exam with a nurse. You will need to provide urine and a blood sample for the test.

Sometimes, these tests will show marijuana use by some companies, even if they don’t specifically test it. For example, THC, the chemical found in marijuana, can appear in a blood test.

You can see it well after 14 days of smoking pot. This will also depend on how frequently the applicant smokes marijuana products. Traces can be detectable in the urine for up to 30 days.

Concealing information on an application could trigger a denial of payment if you die and your survivors file a death claim. The worst mistake you can make is lying on your application.

Failure to disclose marijuana use on a life insurance application may result in the company denying the application or refusing to pay out death benefits. Honesty is essential when completing any application.

Is There a Difference Between Life Insurance for Recreational Users vs. Medical Use?

The most important question is for what medical condition are you using marijuana for medical use.

There is a difference between life insurance for recreational marijuana users and medical marijuana users. Using marijuana works just the same in both cases.

Smoking weed is not a big issue any longer. The insurance companies will quickly approve an individual who uses weed for recreational purposes.

Using marijuana for medical reasons works the same. The usual underwriting factors that also have to be taken into consideration:

1. Current Age
2. Your Health History
3. Height & Weight
4. Hazardous Occupations
5. Any Dangerous Sports
6. Driving Record
7. Tobacco Use
8. Family Health History
9. Credit History


Is Marijuana Use a Factor in Life Insurance Underwriting?

Marijuana use is a factor in life insurance underwriting. Companies have to check for drug use. They want to know if an applicant is using marijuana or possibly even a deadly form of narcotics such as heroin, LSD, morphine, Cocaine, and many others. By today’s standards, this could be possible.

If you smoke marijuana, be honest and answer yes, and there will be no problems. In many states today, marijuana is perfectly legal. Most life insurance companies check for marijuana THC.


Are Pot Smokers Normally Approved For a “Smoker Rate” Classification?

Life insurance companies have historically placed marijuana users in the “Tobacco” rate class unless their usage is minimal.

Marijuana was a form of smoking like cigarettes or cigars. Even though this has been a common practice in recent years, underwriting has drastically changed.

Many companies will classify marijuana users as non-smokers if they do not use tobacco. However, companies will still place marijuana smokers in a tobacco class if they smoke marijuana on a regular basis. A tobacco class could raise your premiums by over 250%. 

You must apply with the most “marijuana-friendly” company possible. You do not want smoker rates as they can triple your premium. 

What Type of Life Insurance Should I Apply for?

When you compare plan designs, there are two main types of life insurance which are permanent and term life insurance policies. Permanent life insurance would be universal life and whole life. However, Whole Life Insurance will not be cost-effective, and many life insurance companies have dropped it from their product line.

Life insurance companies use statistics to help calculate what they need to charge for life insurance. For example, the statistics indicate that many people will outlive their policy, and a death claim will not have to pay.

Many people buy too short of a term period and easily live far beyond the term period of their policy. This is why term life insurance can be so inexpensive to buy.

However, you should compare universal life insurance rates if you want a policy that will last the rest of your life. You can also combine term and universal life with building the perfect life insurance package.


Best Life Insurance Companies for Marijuana Users?

Here is a list of some of the best life insurance companies for marijuana users. The same company for you will dependlife insurance for pot users on a quick medical pre-screen performed by your agent, such as us.

Only an experienced insurance agent can zero in on the best company for you specifically.

We work with over 40 of America’s top life insurance companies, and the quoting rates can fluctuate yearly. 

Lincoln Financial:

Lincoln Financial is going to be one of your best choices for marijuana life insurance. The best aspect of Lincoln Financial is that they accept recreational marijuana smoking at non-tobacco rates without testing for the chemical THC.

American General:

American General can issue you a policy on preferred non-tobacco if you don’t use marijuana more than three times a month.


The New York giant, MetLife, will return with a Super Preferred Non-Smoker rate if you smoke for less than a week. (If you exceed the specified limit of smoking pot, your rates will be converted to the smoker’s rates. This could easily double or triple your life insurance premiums.)


Transamerica will generally come back with a smoker’s rate, a joint underwriting decision; however, they offer Preferred Smoker rates if you don’t smoke marijuana regularly.

Mutual of Omaha:

Mutual of Omaha companies will usually come back with a Non-Smoker rate if you smoke reefers no more than once a week. However, smoking marijuana more than once a week would trigger a smoker’s rate.


Prudential is a top life insurance company for marijuana smokers. In addition, users who smoke marijuana up to three times a week could receive Preferred Best Non-Tobacco ratings. You can read our Prudential review for more information.

ING Reliastar:

ING will rate you as a Preferred Smoker even if you use marijuana seven days a week. This is one of the best companies if you are a heavy marijuana smoker.

Minnesota Life:

Minnesota can offer you non-smoker rates if your marijuana smoking is limited to twice a month. Your lab results will have to show a negative for THC.


Underwriting Considerations Remain the Same Whether You Smoke Marijuana or Not

Your overall health history is the most critical factor on any life insurance application. The use of marijuana is just another rating factor on an application.

You will receive preferred rates as long as your health is acceptable and you are not considered a heavy pot user. However, anytime an applicant has a medical condition, those issues could impact their rates.

It all depends on what the actual medical conditions are. This holds with any company and any applicant planning on applying for life insurance.


Could Important Factors Determine My Rates?

Your Age:

Your age always plays a massive part in determining your premiums. The older you are, the higher the premium. It will only become more expensive once you apply if you put it off.

Current Health History:

Your current health is the life insurance company’s essential factor. The more medical issues you have, the more likely your rates will either go up or you will be declined. Therefore, knowing and understanding the risks of using marijuana for your good is a wise idea.


If you have a dangerous job, your rates can be affected. For example, hazardous jobs like Iron Workers, Commercial fishermen, and Pilots, to name a few, can increase your rates.

Credit History:

If you have poor credit, your rates could possibly be affected. The statistics show that people with poor credit ratings are more likely to trigger insurance claims.

Driving Record:

Your driving record reveals your respect for the law and your degree of responsibility. Unfortunately, people with poor driving records are more likely to have an auto accident, resulting in a fatality.

Family Health History:

A history of cancer, heart disease, and early death (before age 50) can cause your rates to increase. This pertains to your parents and siblings. These medical concerns can be passed down to your genes. 

Policy Face Amounts:

The more significant the policy death benefit you choose, the more expensive your policy will be. In addition, the longer the term period you select will also increase your premiums.

Tobacco Use:

If you use tobacco products, primarily smoking cigarettes, your rates can skyrocket. Cigarette smokers usually pay about 250% more money in premiums. So if you smoke, get help and quit smoking as soon as possible. It will only destroy your health!


Can I Apply for Life Insurance Over the Telephone?

Applying over the phone is by far the best way to apply. All you have to do is sit back and answer the questions which willLife Insurance for Weed Users take about 15-20 minutes. 

We have been in business for over 30 years and represent the best life insurance companies in the nation.

We shop in markets with all the most competitive carriers to ensure you always get the best rates.

Helping you find the best life insurance for marijuana smokers is a snap. Due to the fact that we represent all the most competitive companies, we guarantee to find you the lowest rates you can qualify for.


How Can I Compare Life Insurance Quotes for Marijuana Users?

Run our instant quoting system and compare up-to-date rates from all the best carriers. You can compare the best life insurance quotes for marijuana users.

We work with over 40 of the best life insurance companies. As a result, finding the company with the most favorable underwriting decision is easy.

It will usually take an extra few minutes to run a very beneficial medical pre-screen (if needed) for many of our applicants before we have them apply. This eliminates surprises and can pinpoint the company offering you the lowest rates possible.

In addition, our quoting system will allow you to review the best life insurance quotes for marijuana users displayed side by side in less than a minute.


Misconceptions About Buying Life Insurance for Marijuana Smokers

There are many misconceptions about purchasing life insurance for marijuana smokers. As a result, many people hesitate to buy life insurance, especially in states where marijuana possession is illegal.

Here is a list of the top five fallacies prohibiting marijuana users from buying life insurance.

1. If you declare on an application that you smoke marijuana, you could be arrested as a drug user.

Nothing could be farther from the truth!

The Health Insurance Portability and Accountability Act (HIPPA Act) is a federal law that protects unauthorized persons or persons from obtaining confidential documents or information. 

Life insurance companies are connected with law enforcement in no way or form. They do not even share the information on your application with your agent, much less anyone else. So rest assured that your information is safe and sound.

2. You will never be able to get the lowest rates as long as you smoke marijuana.

This is false!

This is also not a valid statement because you use marijuana minimally. You can qualify for “Preferred Best rates,” which are the best rates you are eligible for.

As long as you don’t have any severe health conditions, you can be issued some of the best rates possible.

Your life insurance company is more concerned with your current health than your history of smoking marijuana.

3. Medical Marijuana and Recreational Marijuana Users Are All Underwritten the Same.

Again, this is false!

If you use marijuana for recreational purposes, that is fine. However, if you use marijuana for medical reasons and have a medical marijuana card, that is something else. The big question will be the medical condition that warrants you smoking marijuana for medical purposes.

The carrier will want to know the nature of your medical condition and its seriousness. If your condition is mild and not life-threatening, there should be no rate increase.

4. All Life Insurance Companies Test for THC and Other Drugs.

That is partially not true!

Some companies will test for THC, and others will take your word. Some life insurance companies will not even ask if you smoke marijuana. Your agent can help determine the most appropriate company to apply to.

You can call us and we will pre-screen your situation and show you all your options.

5. All Marijuana Users Automatically Receive Smoker Rates.

This is not true!

This will all depend on how much marijuana you use. All life insurance companies underwrite their applications differently. This is why you want to use a carrier that is marijuana friendly so you can stay away from an expensive smoker rate.

If you use tobacco products, you can expect a smoker’s rate, which could easily cost 200 to 300% more premium dollars.

If you are a heavy marijuana smoker, you are headed for a smoker’s rate because of the lung damage heavy marijuana smoking will cause. It is only a matter of time before your respiratory system has had enough and your health declines.


Questions That You May Be Asked Concerning Health Conditions

In case of a significant medical condition, the business may seek more information and ask for additional queries such as:

1. What is the name of your condition and how advanced is it?
2. Have you been hospitalized for your medical condition?
3. Do you take medication for your condition?
4. What type of medical care do you receive?
5. What is the long-term prognosis for your medical issue?
6. Is your condition stable or uncontrolled?
7. When were you first diagnosed?
8. Have you ever had surgery for this condition?
9. Are you under doctors care for this condition?
10. What is the long term prognosis for this condition?

Your health classification can or will be affected somehow, as with any medical condition. A simple risk assessment can help predict the outcome of your application and the best company to apply with.


Can an Independent Agent Find the Best Rates for Marijuana Smokers?

Independent agents across the United States can shop the entire life insurance market for their clients. Finding the best life insurance quotes for marijuana users is easy, especially when comparing the top-rated companies on a modern quote engine.

Captive agents such as State Farm can only quote the one and only company they work for. There is a big difference between life insurance companies regarding marijuana life insurance rates.

If you are looking for the best rates possible, connecting with an experienced independent agent is your best move.  


What Do Companies Test for When Buying Life Insurance?

Here is a list of just some of the profiles the life insurance companies test for using blood and urine tests:

1. Tobacco Use –
2. Marijuana Use –
3. Total Cholesterol Numbers –
4. LDL Levels –
5. HDL levels –
6. Triglyceride Levels –
7. HIV: Virus Testing –

Illegal Narcotics Such As:

1. Cocaine –
2. Morphine –
3. Oxycodone –
4. Hydromorphone –
5. Codeine –
6. Fentanyl –
7. Oxymorphone –


Our Final Thoughts

It takes a little research to find the best life insurance rates for marijuana users. But independent agents like ourselvesLife Insurance for Weed Users have access to the total life insurance market.

We can quickly compare all the lowest rates from the most competitive companies in your state. All of the insurance quotes displayed are up-to-date and accurate.

If you prefer, feel free to call us and we will be able to direct you to the best company with the lowest rates in a matter of minutes over the telephone.

We know which companies will have the most lenient underwriting toward using marijuana. Contact us seven days a week to learn how simple it is to purchase life insurance for marijuana users.

All the best,

Jack Venturi

*Should you have any questions or need further assistance, please don’t hesitate to call us at 815-390-7545 for an immediate response. We’re here to help!


Jack Venturi Independent Life Insurance Agent

Jack Venturi

Independent agent and founder of

Jack Venturi has over 30 years of experience selling individual and commercial insurance including Property & Casualty, Health, Disability and Life insurance. Jack has helped thousands of people all across the United States purchase the best life insurance products at the lowest possible premiums over the phone (815)-390-7545 and online.

We’re Here For You 7 Days A Week

Let us answer any questions you may have about life insurance.
We’ll work with you to find the very best rates.

Compare Rates