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Life Insurance for Marijuana Users

Life Insurance for Marijuana Users – Complete New Guide to Getting the Lowest Rates in [2022]

Applying for life insurance for marijuana users is simple and easy. If you thought your marijuana smoking was going to represent a problem, no worries because it’s not. life insurance for marijuana users Many companies will allow you to smoke marijuana without adding a smoker rate to the policy. Times have changed and so has life insurance for marijuana smokers. It does not get any better than this!

We use companies that are marijuana-friendly to get the very best rates. Just keep reading and we will show you what you need to know to apply and get the best rates possible. Smoking weed today is extremely common and most insurers are very liberal to pot smokers.



How Will Smoking Marijuana Affect My Life Insurance Rates?

Marijuana use is not considered a high-risk factor for life insurance like it used to be in the past. Keep in mind, extreme use could become a health hazard due to lung damage just like cigarettes. 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 smokers rates just because they are smoking. If you smoke marijuana and cigarettes together, you will get a smokers rate which is just 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 actually what they smoke. Cigarette smoking is at the top of the list of health hazards. Heavy smoking of any product will cause lung damage in time. A very important factor will be what insurance company you apply with. They are all different and they underwrite tobacco use and marijuana use on a different scale.

The correct life insurance company you apply with will be critical if you use marijuana on a medical basis or for recreational purposes. Your current health history is also much more important than any type of marijuana use.

Can I Conceal My Marijuana Use on My Application?

You never want to conceal any information that is asked of you on a life insurance application. Most life insurance companies test for marijuana use. With most conventional life insurance applications, you will be required to take a small physical exam called a Paramed exam. As part of the test, you will need to provide urine and a blood sample.

Sometimes with some companies, these tests will show marijuana use even if they don’t specifically test for it. THC, the chemical found in marijuana, can show up in a blood test. It can be found well after 14 days after smoking pot. This will depend on how frequently the applicant smokes marijuana products. Traces are detectable in the urine for up to 30 days.

Concealing information asked 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.

If you conceal your marijuana use on your application, the life insurance company can decline your application or possibly, later on, a claim for death benefits. Any future companies you apply with will also know why you were declined. Always tell the truth!

Is There a Difference Between Life Insurance for Recreational Users vs 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 easily 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 such as:

  • Current Age
  • Your Health History
  • Height & Weight
  • Hazardous Occupations
  • Any Dangerous Sports
  • Driving Record
  • Tobacco Use
  • Family Health History
  • Credit History


Do Life Insurance Companies Test for Marijuana?

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


Are Pot Smokers Approved In a “Smoker Rate” Classification?

Not all the time, unless the applicant is a heavy marijuana smoker or a tobacco user. In the past, life insurance companies would approve marijuana users in a “Tobacco” rate class. Marijuana was a form of smoking like cigarettes or cigars. Even though this was a common practice in the past years, underwriting has drastically changed.

Many companies will classify a marijuana user as a non-smoker as long as they do not also use tobacco. Some companies will still place marijuana smokers in a tobacco class. A tobacco class could raise your premiums by over 300%. This is why you must apply with the correct insurer.

You must apply with the most “marijuana-friendly” company possible. You do not want smoker rates as they could triple your premium. It is important to use a carrier that offers the best life insurance for marijuana smokers and does not issue tobacco rates.

What Type of Life Insurance Should I Apply for?

The two main types of life insurance will be permanent and term life insurance plan designs. Permanent life insurance would be universal life and whole life. Whole life insurance will not be cost-effective and many life insurance companies have dropped it from their product line.

The life insurance companies use statistics to help calculate what they need to charge for life insurance. The statistics indicate that many people will outlive their policy and a death claim will not have to be paid out.

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. You should compare universal life insurance rates if you want to have a policy that will last the rest of your life. You can also combine term and universal life to build 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 exact company for you will depend 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 the top life insurance companies in America and the quoting rates can fluctuate from year to year. 

MetLife – The New York giant, MetLife, will come back with a Super Preferred Non-Smoker rate if you smoke less than 1 week. (If you exceed the specified limit of smoking Pot, your rates would convert to smoker’s rates. This could easily double or triple your life insurance premiums.)

Transamerica – Transamerica will normally come back with a smoker’s rate which is a common underwriting decision, however, they offer Preferred Smoker rates if you don’t smoke marijuana regularly.

Mutual of Omaha – Mutual of Omaha company will usually come back with a Non-Smokers rate if you smoke reefer no more than once a week. Anything over once a week would trigger a smoker’s rate.

Prudential – The Prudential company is a top life insurance company for marijuana smokers. Users who smoke marijuana up to three times per week could receive Preferred Best Non-Tobacco ratings.

ING Reliastar – ING will rate you as Preferred Smoker even if you use marijuana 7 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 negative for THC.


Best Life Insurance for Frequent Marijuana Users

If you smoke marijuana frequently, you’re heading for a smokers rate or a possible decline. Overindulging in anything can cause harmful side effects and the life insurance companies will draw the line someplace in the sand. Heavy use of marijuana has a lot of harmful effects on your body. The companies above will give you some of the best offers for people that smoke weed but there are limitations to how much actual smoking marijuana they will conform to.

There was a time when smoking marijuana would trigger an instant decline in a life or health insurance application. If you are a heavy frequent marijuana user, you might want to consider reducing how much pot you smoke before applying.


Underwriting Considerations Remain the Same Whether You Smoke Marijuana or Not

By far, your overall health history still is the most important factor on any life insurance application. The use oflife insurance for marijuana smokers marijuana is just another rating factor on an application.

You can receive preferred rates as long as your health is acceptable. Anytime an applicant has medical conditions, those issues could have an impact on 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.


What Important Factors Could Determine My Rates?

Your Age – Your age always plays a huge part in determining your premiums. The older you are when you apply, the higher the premium will be. If you put it off, it will only become more expensive once you do apply.

Current Health History – Your current health is one of the most important factors the life insurance companies consider. The more medical issues you have, the more likely your rates will either go up or you will be declined. Knowing and understanding the risks of using marijuana for your good is a wise idea.

Occupation – If you have a hazardous job, your rates can be affected. Dangerous jobs like Iron Workers, Commercial fishermen, and Pilots just to name a few can increase your rates.

Credit History – If you have poor credit, your rates can easily 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. People with poor driving records are more likely to have an auto accident which can result in a fatality.

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

Policy Face Amounts – The larger the policy death benefit you choose, the more expensive your policy will be. The longer the term period you choose will also increase your premiums.

Tobacco Use – If you use tobacco products especially smoking cigarettes, your rates can skyrocket. Cigarette smokers usually pay about 300% more money in premiums. If you do smoke, get some help and quit smoking as soon as possible. It will only destroy your health!


Where Can I Apply for Life Insurance for Marijuana Users?

I would recommend contacting our office. We have been in business for over 30 years and represent the best life insurance companies in the nation. We shop the market with over 40 companies to make sure you always get the best rates.

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


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. We work with over 40 of the best life insurance companies. Finding the company with the most favorable underwriting decision is easy.

We will usually take the 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 any possible surprises and can pinpoint the company that will offer you the lowest rates possible. 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. This promotes many people to hesitate to buy life insurance especially in states where marijuana possession is illegal. Here is a list of the top five fallacies that prohibit marijuana users from buying life insurance.

Fallacy #1 – 

 “If you state on an application that you smoke marijuana, the insurance company can possibly contact law enforcement and 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 totally protects you from any unauthorized person or persons from obtaining your confidential documents or information. 

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

Fallacy #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 true statement due to the fact that if you use marijuana on a very limited basis. You could qualify for “Preferred Best rates” which are the very best rates you can qualify for. As long as you don’t have any serious 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 connection with marijuana.

Fallacy #3 – 

Medical Marijuana and Recreational Marijuana Users Are All Underwritten the Same

This is false again!

If you use marijuana for recreational purposes that is fine. If you use marijuana for medical reasons and you have a medical marijuana card that is something else. The big question will be what is the medical condition that warrants you to smoke marijuana for medical purposes. The carrier will want to know what is the nature of your medical condition and how serious is it. If your condition is mild and not life-threatening, there will not be any rate increase.

If your medical condition is serious, the company will need more information and will have additional questions such as:

  • The name of your condition and how serious is it?
  • Have you been hospitalized for your medical condition?
  • Do you take medication for your condition?
  • What type of medical care do you receive?
  • What is the long-term prognosis for your medical issue?
  • Is your condition stable or not controlled?
  • When were you first diagnosed?
  • Did you ever have surgery for this condition?

As with any medical condition, your health classification can or will be affected in some way. A quick medical pre-screen performed by your agent can help predict the outcome of your application and what would be the best company to apply with.

If your condition is not too serious, a no-medical-exam policy may be a good choice for you because they don’t require an exam. The no exam part only goes so far due to the fact if your condition is more serious, a medical exam will be still be required. 

Fallacy #4 – 

All Life Insurance Companies Test for THC and Other Drugs

Not true to an extent!

Some companies will test for THC and others will just take your word for it. Some of the life insurance companies will not even ask if you smoke marijuana. Your agent can help determine what would be the most appropriate company to apply with. You can call us and we will pre-screen your situation and show you all your options.

Fallacy #5 – 

All Marijuana Users Automatically Receive Smoker Rates

This is not true!

This all depends 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 do 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. The life insurance companies know this only too well.


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

Independent agents all 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 you can compare all the top-rated companies on a modern quote engine. Captive agents such as State Farm can only quote the one company they work for. There is a big difference between life insurance companies when it comes to marijuana life insurance rates.

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


What Do Companies Test for When Buying Life Insurance?

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

  • Tobacco Use
  • Marijuana 
  • Cholesterol
  • LDL
  • HDL
  • Triglycerides
  • HIV

Illegal Narcotics:

  • Cocaine
  • Morphine
  • Oxycodone
  • Hydromorphone
  • Codeine
  • Fentanyl
  • Oxymorphone

Is Marijuana the Same as Cannabis?

When people have conversations about marijuana, they will use many different names to describe it along with quite a few slang terms. They will use terminology such as Weed, Tea, Roach, Bud, Flower, Stink Weed, Mary Jane, Hooch, Holy Weed, Crazy Weed, Gonj, Doobie, Crazy Weed, Gonja, Herb, Cannabis and well over 150 more names.

The exact same people often use the terms “cannabis” and “marijuana” interchangeably like they actually are the same thing. The fact is, they don’t mean the same thing at all.

The terminology “cannabis” actually refers to all of the many by-products derived from the plant Cannabis Sativa.

The cannabis plant contains about 540 chemical substances.

The actual term “marijuana” refers to the by-products from the Cannabis Sativa plant that contains Tetrahydrocannabinol also commonly known on the streets as THC. As you probably know already, THC is the substance that delivers the “getting high” effects of marijuana.

Some of the cannabis plants that are grown will not contain much THC. These plants are harvested for “industrial hemp” to make many products such as rope instead of used as actual marijuana.


Can Pre-Screening My Application Help Me Receive Better Rates? 

Prescreening your application before you apply will allow your agent to zero in on the best rates without a doubt. A quick and simple 10-minute pre-screen performed by your agent will expose anything that will cause an issue during the application process. Getting any health concerns, dangerous sports, or hazardous occupations out in the open will help choose the best life insurance company to apply with.

During the course of your application, your life insurance company will accumulate all their information from MIB reports, doctor’s office medical records, paramed exams, credit reports, MVR reports, and others. The object is not to have any surprises that could cause your rates to unexpectedly increase. A pre-screen is just a system of questions and answers with your agent.


What is the Best Way to Apply for Life Insurance?

The best way to apply is by telephone. Today’s modern telephone applications take about 15-20 minutes to completemarijuana users can apply over the telephone and are a snap for the applicant. No more 20-page time-consuming paper applications or confusing online applications.

All you have to do is sit back and answer the questions asked by one of the girls in the telephone application department. The less time you have to spend applying for life insurance will allow you to have more leisure time to smoke weed.


In Conclusion

It takes a little research to find the best life insurance rates for marijuana users. But independent agents such as ourselves have access to the complete 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 contact 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 what companies will have the most lenient underwriting towards using marijuana. Contact us today (7 days a week) and find out how simple it is to purchase life insurance for marijuana users.

All the best,
Jack Venturi

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Jack Venturi Independent Life Insurance Agent

Jack Venturi

Independent agent and founder of

Jack Venturi has over 30 years of experience selling all forms of 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 (800)-897-5699 and online.