Life Insurance for Marijuana Users

Shawn Plummer

CEO, The Annuity Expert

Will life insurance pay if you smoke or consumer weed? Researching how to get life insurance for Marijuana users? In this guide, we’ll go over what you need to know to get coverage then work with you directly to get life insurance coverage one on one.

If you feel your health could prevent you from being approved for a life insurance policy, contact us. Very rarely can we not find a solution for most people seeking life insurance with pre-existing medical conditions.

Marijuana Life Insurance Guidelines

Marijuana is the most commonly used illegal drug in the United States, and its use will increase as its recreational use has become legal in some states.

While there are over 480 natural components found within the cannabis plant, the two compounds responsible for almost all its effects include tetrahydrocannabinol (THC), the main hallucinogenic agent cannabidiol (CBD), which does not have psychoactive effects.

Only a small portion of the consumed THC reaches the brain, where its effects are maximal in 15 – 30 minutes.

After 2 – 4 hours, the THC level in the brain falls below that necessary for psychoactivity. In modest doses, the temporary effects are similar to alcohol, as is the underwriting risk.

The main physiological risk from marijuana smoking is damage to the lungs.

There may be an increased mortality risk due to the risk of accidents, and the risk is higher if marijuana is mixed with other psychoactive or sedative drugs.

Marijuana can be consumed in many different ways, including smoking or the inhalation of heated vapors without the actual burning of the marijuana; it may also be taken in a pill or oil form, included as an ingredient in some foods brewed into a beverage.

All of which are treated as marijuana use.

Underwriting Considerations

  • Age of Applicant
  • Purpose of usage, either medicinal or recreational use
  • Frequency of use
  • Date of last use
  • Any treatments related to use
  • Driving Record
  • Criminal history
  • Participation in Aviation or Avocation

Medicinal Use:

Medical marijuana is cannabis that is generally taken under the direction of a physician. It may be prescribed in some states or obtained over the counter (OTC). Prescribed marijuana is considered a “compassionate use” to relieve pain, nausea, or anorexia due to cancer or AIDS.

It may also be prescribed for persistent muscle spasms associated with MS, severe nausea, seizures, glaucoma, or chronic pain (i.e., arthritis, migraine headaches).

When prescribed by or taken under the direction of a physician, any rating assessed will generally be based on the underlying condition, not the actual use of medicinal marijuana.

Life insurance coverage for those that consume medicinal marijuana will depend primarily on the medical condition, not the amount or frequency of marijuana consumed.

Recreational Use:

Underwriting depends on past and current use of marijuana, frequency of use, applicant’s age, and a urine test result.

  • Recreational users under the age of 20 will typically be declined for life insurance.
  • Recreational users, ages 21 and over with admission, with or without positive THC in their urine, will be considered for life insurance coverage. Marijuana usage should be less than 7 times a week to be considered.
  • Recreational users, ages 21 and over without admission and positive for THC in their urine will automatically be declined for life insurance.
  • Marijuana users can qualify for non-tobacco rates.
  • Marijuana used up to 2 times a year can be rated as a preferred plus.
  • Marijuana used up to 2 times a month can be rated as preferred.
  • Marijuana used up to 4 days a week can be rated as standard.
  • Marijuana used more than 4 days a week recreationally will be considered for a rating less than standard and is often seen as Substance Abuse.
  • Medical use of Marijuana is rated differently than recreationally.

The current or past use of other drugs, including prescription medicines and illegal substances, will also be considered.

*This material is intended for insurance informational purposes only and is not personal medical advice for clients.  Rates and availability will vary based on the satisfaction of the underwriting criteria.

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Frequently Asked Questions

Can I get life insurance if I consume marijuana?

Under specific circumstances, you can get coverage. Underwriting depends on past and current use of marijuana, frequency of use, applicant’s age, and a urine test result.

Shawn Plummer

CEO, The Annuity Expert

I’m a licensed financial professional focusing on annuities and insurance for more than a decade. My former role was training financial advisors, including for a Fortune Global 500 insurance company. I’ve been featured in Time Magazine, Yahoo! Finance, MSN, SmartAsset, Entrepreneur, Bloomberg, The Simple Dollar, U.S. News and World Report, and Women’s Health Magazine.

The Annuity Expert is an online insurance agency servicing consumers across the United States. My goal is to help you take the guesswork out of retirement planning or find the best insurance coverage at the cheapest rates for you. 

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