Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Nov 22, 2021

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The Truth in a Nutshell

  • Marijuana use isn’t as frowned upon as it used to be
  • Many insurance companies are coming around to letting clients use the drug
  • If you’re medically prescribed cannabis, insurance companies can’t discriminate

While it can be stressful to look for life insurance and be denied, there are many life insurance companies that will insure marijuana smokers. It may take a little bit of research, but marijuana use is not as controversial as it once was.

So, how much does life insurance cost for a marijuana smoker? Read on to find out.

When you’re ready to find life insurance companies that will insure marijuana smokers, enter your ZIP code into our free quote tool.

What life insurance companies will insure marijuana smokers?

If you want life insurance for recreational drugs, you may be limited on which insurance company will offer you a policy. In states where it’s legal, each company can develop its own policy on recreational marijuana use.

While insurance companies can’t argue against medical cannabis as a prescribed medicine, they may not look so favorably upon non-medical use.

Pacific Life, for instance, prohibits all illegal drugs except for marijuana. Therefore, you can apply for a policy without worrying about being denied explicitly because of your marijuana use. Below are some examples of Pacific Life insurance rates by age for term life policies.

Pacific Life Insurance Average Monthly Term Rates

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As you can see, you can get affordable term life insurance for under $10 a month as long as you apply for a policy while you’re still young and healthy.

Life insurance companies won’t insure marijuana smokers who they view as overtly risky.

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Can marijuana users get life insurance?

In the mid- to late-20th century, there was a significant push against any intoxicants that weren’t alcohol. During this “War on Drugs,” public opinion shifted heavily against various substances that affect the brain’s perception.

The country is still feeling the effects of this, and life insurance has never been known as one of the more advanced industries. Thus, you’re likely to find a wide variety of opinions on marijuana use, driven by culture and the desire to have an edge over the competition.

Any of the insurance companies you talk to could give you any of the following responses to your marijuana use:

  • Denial outright for your use
  • Medical underwriting based on how frequently you use
  • Check for the level of THC in your urine or blood
  • Non-smoker rates if you smoke marijuana and not tobacco

While it has been a touchy political subject for the last few decades, some insurance companies are starting to warm up to the idea of letting marijuana smokers enroll.

Some are even willing to give you non-smoker rates, as there has been no respected research connecting marijuana use to the same kinds of illnesses that cigarettes and other forms of smoked tobacco cause.

How do life insurance companies view marijuana use?

As previously mentioned, life insurance companies’ views on marijuana can vary. Each company will have its ways of determining how to treat your marijuana use, ranging from denying you a policy to giving you non-smoker rates.

You should disclose any use to your life insurance company. For example, suppose you die from an accident after using marijuana. If you did not tell your insurance company about your use, your beneficiaries could be denied your death benefit.

If you want edibles and life insurance, you should still disclose the use to your insurance company, as the THC will show up all the same in your tests.

How will marijuana use affect your life insurance rates?

As with most other factors, this will depend on your life insurance company. If you have a more conservative company, they may penalize you for your use in the form of higher rates. On the other hand, if your insurance company is more liberal, it may not affect your rates at all.

Since this can be the difference between an affordable life insurance policy or not, you should research the insurance company ahead of time to ensure that you’ll be covered for your use.

Can I lose my life insurance if I use marijuana?

When you sign up for the insurance policy, you should ensure that the insurance company knows about any marijuana use. Even if it’s twice a year or less, it’s wise to be completely honest.

The insurance company isn’t likely to discover your recreational drug use unless you explicitly tell them or you die and have an autopsy conducted. If your insurance company has a hard-line policy against marijuana use, your beneficiaries could lose out on their death benefit.

What is life insurance underwriting?

Life insurance underwriting is the process in which an insurance company will look at your life to determine what kind of risk you pose to them having to pay out on the death benefit during the policy.

When examining your life, the life insurance underwriter will review your:

  • Health – Your health history will likely come up, with any risky conditions raising your rates.
  • Occupation – The insurance company will examine your job, and some of the riskiest jobs, like commercial logging or fishing, may make it difficult for you to find life insurance.
  • Hobbies – If you use recreational drugs or participate in extreme sports, your rates can be raised to cover the risk.

An insurance company will ask you a series of questions, and may even send you to a doctor’s office to get a medical exam for the underwriting process. It’s typical that the younger you are, the less likely they’ll ask for a medical exam. However, you should be in the best shape possible regardless.

What types of life insurance work for marijuana users?

Which type of life insurance policy you need will likely depend on your risk factors and personal preference. First, you’ll need to decide what kind of life insurance policy length you want.

According to the Insurance Information Institute, the two principal types of life insurance are permanent and term life.

How can term life insurance benefit marijuana smokers?

Term life insurance can help marijuana smokers at even some of the more strict insurance companies. Since it only lasts for a period of your life, the risk of the insurance company having to pay out is significantly reduced compared to permanent life insurance, so it’s much cheaper.

Some of the policy types within term life insurance include:

  • Level Term – Provides level premiums and death benefit, as long as you make your monthly payments.
  • Renewable – This policy allows you to renew your coverage up to a certain age, at which point you lose coverage.
  • Return of Premium – If you don’t like the idea of losing money if you outlive the policy, you can get a portion of your premiums returned.

These policy types can help marijuana smokers, but a renewable term gives you the same rates you had when you applied for the policy the first time. So to keep from having to be repeatedly hounded about your marijuana use, a renewable policy might be your best bet.

How can permanent life insurance benefit marijuana smokers?

Permanent life insurance lasts from the day you sign up for the policy until you pass away. Because it will eventually have to pay out, it is more expensive than term life insurance. However, you’ll only need to disclose your marijuana use once to your insurance company.

Some of the different types of permanent life insurance include:

  • Whole life – This policy covers your entire life with a level premium and death benefit as long you make your monthly payments.
  • Universal – If you want to customize your death benefit, and in turn, your premiums, then you can apply for this policy.
  • Variable – Variable offers you the ability to invest a portion of your death benefit into stocks, bonds, and mutual funds.

Each whole life insurance policy can work great for marijuana users, as there is no need to disclose your usage continuously.

What is a no-exam policy?

A no-exam life insurance policy is a unique underwriting proces offered by some insurance companies. While you will still have to fill out a medical questionnaire or something similar, a no-exam policy can keep you from having to get an extensive exam for insurance.

That being said, the insurance company is taking on a little more risk for this type of policy, so you can expect it to be a little more expensive.

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Life Insurance for Marijuana Users: The Bottom Line

Due to the social stigma of marijuana use, it can be stressful to look for life insurance companies. However, many insurance companies will be willing to give you a life insurance policy if you use marijuana.

Are you looking for life insurance companies that will insure marijuana smokers? Enter your ZIP code into our free quote tool to see what you could pay for life insurance with recreational drug use.