How Much Does $1 Million in Life Insurance Cost for THC Users?

Using marijuana or another THC product does not automatically prevent someone from qualifying for affordable life insurance. In fact, some applicants who use THC occasionally may still qualify for competitive non-tobacco rates, depending on the insurance company, frequency of use, reason for use, product type, health history, driving record, and whether nicotine is also used.

The rates below show sample monthly premiums for a $1 million term life insurance policy for male and female THC users between ages 30 and 60. Pricing is separated into two usage categories:

• THC use fewer than 8 times per month

• THC use more than 8 times per month

Available term lengths include 10, 15, 20, and 30 years. The 30-year term is not available in this dataset after age 55.

Request Your Life Insurance Quote While Smoking Weed and Using THC

Key Takeaways

THC users may be able to qualify for much better life insurance rates than many applicants expect.

Applicants using THC fewer than 8 times per month generally receive lower rates than applicants using it more than 8 times per month. However, the difference is relatively modest at some ages and term lengths.

Women generally pay less than men for the same coverage amount, term length, age, and THC usage category.

Rates increase substantially with age, especially for longer term lengths. A 30-year policy costs considerably more because the insurance company is locking in coverage for a longer period.

The company offering the lowest rate for an occasional THC user may not be the best company for a frequent user. Carrier selection is one of the most important parts of applying for life insurance with a marijuana history.

Can THC Users Qualify for a $1 Million Life Insurance Policy?

Yes. THC users can qualify for $1 million or more in life insurance coverage when their income, assets, debts, family needs, or business obligations justify the requested death benefit.

The insurance company will usually ask questions about:

• How often THC is used

• The type of THC product

• Whether use is recreational or medicinal

• The reason for medicinal use

• Whether the applicant smokes, vapes, or uses edibles

• Whether nicotine is used

• Any history of substance abuse or treatment

• Driving violations or DUI history

• Mental health and medical history

• Whether THC affects the applicant’s work or daily activities

Honest and complete answers are important. Failing to disclose THC use can create problems during underwriting or potentially during a future claim review.

Male THC User Rates for Fewer Than 8 Uses Per Month

Age 30

A 30-year-old male who uses THC fewer than 8 times per month can expect to pay approximately $17.76 per month for a $1 million 10-year term policy, $21.90 for a 15-year term, $28.87 for a 20-year term, and $50.81 for a 30-year term.

Age 31

At age 31, the estimated monthly cost is $17.76 for a 10-year term, $22.24 for a 15-year term, $29.38 for a 20-year term, and $52.50 for a 30-year term.

Age 32

At age 32, estimated rates are $18.61 per month for a 10-year term, $22.74 for a 15-year term, $30.05 for a 20-year term, and $54.74 for a 30-year term.

Age 33

At age 33, estimated rates are $18.64 per month for a 10-year term, $23.23 for a 15-year term, $30.72 for a 20-year term, and $56.90 for a 30-year term.

Age 34

At age 34, estimated rates are $19.35 per month for a 10-year term, $23.63 for a 15-year term, $31.39 for a 20-year term, and $59.20 for a 30-year term.

Age 35

At age 35, estimated rates are $19.47 per month for a 10-year term, $24.34 for a 15-year term, $32.26 for a 20-year term, and $62.01 for a 30-year term.

Age 36

At age 36, estimated rates are $20.49 per month for a 10-year term, $25.65 for a 15-year term, $34.65 for a 20-year term, and $66.41 for a 30-year term.

Age 37

At age 37, estimated rates are $21.85 per month for a 10-year term, $27.39 for a 15-year term, $37.82 for a 20-year term, and $71.80 for a 30-year term.

Age 38

At age 38, estimated rates are $23.20 per month for a 10-year term, $29.14 for a 15-year term, $41.00 for a 20-year term, and $77.76 for a 30-year term.

Age 39

At age 39, estimated rates are $24.55 per month for a 10-year term, $30.88 for a 15-year term, $44.18 for a 20-year term, and $84.00 for a 30-year term.

Age 40

At age 40, estimated rates are $26.26 per month for a 10-year term, $33.07 for a 15-year term, $48.16 for a 20-year term, and $91.38 for a 30-year term.

Age 41

At age 41, estimated rates are $28.81 per month for a 10-year term, $37.59 for a 15-year term, $53.56 for a 20-year term, and $98.90 for a 30-year term.

Age 42

At age 42, estimated rates are $32.21 per month for a 10-year term, $43.63 for a 15-year term, $60.00 for a 20-year term, and $108.02 for a 30-year term.

Age 43

At age 43, estimated rates are $35.61 per month for a 10-year term, $49.52 for a 15-year term, $67.22 for a 20-year term, and $119.30 for a 30-year term.

Age 44

At age 44, estimated rates are $39.01 per month for a 10-year term, $55.69 for a 15-year term, $75.00 for a 20-year term, and $131.10 for a 30-year term.

Age 45

At age 45, estimated rates are $43.27 per month for a 10-year term, $63.23 for a 15-year term, $84.10 for a 20-year term, and $145.07 for a 30-year term.

Age 46

At age 46, estimated rates are $47.08 per month for a 10-year term, $68.73 for a 15-year term, $89.87 for a 20-year term, and $158.24 for a 30-year term.

Age 47

At age 47, estimated rates are $52.16 per month for a 10-year term, $73.43 for a 15-year term, $98.41 for a 20-year term, and $174.22 for a 30-year term.

Age 48

At age 48, estimated rates are $57.23 per month for a 10-year term, $80.23 for a 15-year term, $107.72 for a 20-year term, and $193.99 for a 30-year term.

Age 49

At age 49, estimated rates are $62.31 per month for a 10-year term, $89.58 for a 15-year term, $117.26 for a 20-year term, and $214.67 for a 30-year term.

Age 50

At age 50, estimated rates are $68.66 per month for a 10-year term, $99.81 for a 15-year term, $128.30 for a 20-year term, and $238.30 for a 30-year term.

Age 51

At age 51, estimated rates are $76.48 per month for a 10-year term, $108.36 for a 15-year term, $141.14 for a 20-year term, and $262.95 for a 30-year term.

Age 52

At age 52, estimated rates are $86.91 per month for a 10-year term, $118.73 for a 15-year term, $155.90 for a 20-year term, and $306.57 for a 30-year term.

Age 53

At age 53, estimated rates are $96.74 per month for a 10-year term, $132.33 for a 15-year term, $174.11 for a 20-year term, and $342.98 for a 30-year term.

Age 54

At age 54, estimated rates are $107.76 per month for a 10-year term, $145.49 for a 15-year term, $193.19 for a 20-year term, and $391.91 for a 30-year term.

Age 55

At age 55, estimated rates are $120.80 per month for a 10-year term, $160.72 for a 15-year term, $215.73 for a 20-year term, and $449.08 for a 30-year term.

Age 56

At age 56, estimated rates are $136.13 per month for a 10-year term, $177.91 for a 15-year term, and $238.60 for a 20-year term. A 30-year term is not available.

Age 57

At age 57, estimated rates are $150.26 per month for a 10-year term, $197.62 for a 15-year term, and $266.30 for a 20-year term. A 30-year term is not available.

Age 58

At age 58, estimated rates are $167.82 per month for a 10-year term, $221.73 for a 15-year term, and $302.25 for a 20-year term. A 30-year term is not available.

Age 59

At age 59, estimated rates are $186.09 per month for a 10-year term, $248.04 for a 15-year term, and $337.97 for a 20-year term. A 30-year term is not available.

Age 60

At age 60, estimated rates are $206.34 per month for a 10-year term, $276.61 for a 15-year term, and $378.72 for a 20-year term. A 30-year term is not available.

Male THC User Rates for More Than 8 Uses Per Month

Age 30

A 30-year-old male who uses THC more than 8 times per month can expect to pay approximately $24.56 per month for a $1 million 10-year term policy, $29.10 for a 15-year term, $39.90 for a 20-year term, and $64.05 for a 30-year term.

Age 31

At age 31, estimated rates are $24.57 per month for a 10-year term, $29.54 for a 15-year term, $40.42 for a 20-year term, and $65.55 for a 30-year term.

Age 32

At age 32, estimated rates are $24.57 per month for a 10-year term, $30.05 for a 15-year term, $41.10 for a 20-year term, and $67.51 for a 30-year term.

Age 33

At age 33, estimated rates are $25.37 per month for a 10-year term, $30.59 for a 15-year term, $41.77 for a 20-year term, and $69.48 for a 30-year term.

Age 34

At age 34, estimated rates are $25.37 per month for a 10-year term, $31.31 for a 15-year term, $42.33 for a 20-year term, and $71.44 for a 30-year term.

Age 35

At age 35, estimated rates are $25.40 per month for a 10-year term, $32.12 for a 15-year term, $43.30 for a 20-year term, and $73.91 for a 30-year term.

Age 36

At age 36, estimated rates are $26.80 per month for a 10-year term, $34.27 for a 15-year term, $46.12 for a 20-year term, and $79.26 for a 30-year term.

Age 37

At age 37, estimated rates are $28.67 per month for a 10-year term, $36.87 for a 15-year term, $49.49 for a 20-year term, and $85.70 for a 30-year term.

Age 38

At age 38, estimated rates are $30.56 per month for a 10-year term, $40.07 for a 15-year term, $53.57 for a 20-year term, and $93.05 for a 30-year term.

Age 39

At age 39, estimated rates are $32.43 per month for a 10-year term, $43.43 for a 15-year term, $57.34 for a 20-year term, and $100.68 for a 30-year term.

Age 40

At age 40, estimated rates are $34.77 per month for a 10-year term, $47.41 for a 15-year term, $62.00 for a 20-year term, and $109.60 for a 30-year term.

Age 41

At age 41, estimated rates are $38.08 per month for a 10-year term, $51.33 for a 15-year term, $67.87 for a 20-year term, and $119.40 for a 30-year term.

Age 42

At age 42, estimated rates are $42.39 per month for a 10-year term, $56.10 for a 15-year term, $74.80 for a 20-year term, and $130.79 for a 30-year term.

Age 43

At age 43, estimated rates are $46.90 per month for a 10-year term, $61.33 for a 15-year term, $82.90 for a 20-year term, and $144.86 for a 30-year term.

Age 44

At age 44, estimated rates are $51.31 per month for a 10-year term, $67.37 for a 15-year term, $91.30 for a 20-year term, and $159.59 for a 30-year term.

Age 45

At age 45, estimated rates are $56.84 per month for a 10-year term, $74.50 for a 15-year term, $101.10 for a 20-year term, and $176.99 for a 30-year term.

Age 46

At age 46, estimated rates are $61.77 per month for a 10-year term, $77.68 for a 15-year term, $109.10 for a 20-year term, and $191.74 for a 30-year term.

Age 47

At age 47, estimated rates are $68.36 per month for a 10-year term, $85.37 for a 15-year term, $118.61 for a 20-year term, and $209.63 for a 30-year term.

Age 48

At age 48, estimated rates are $74.95 per month for a 10-year term, $95.79 for a 15-year term, $130.26 for a 20-year term, and $231.77 for a 30-year term.

Age 49

At age 49, estimated rates are $81.53 per month for a 10-year term, $104.30 for a 15-year term, $142.48 for a 20-year term, and $254.91 for a 30-year term.

Age 50

At age 50, estimated rates are $89.77 per month for a 10-year term, $114.23 for a 15-year term, $156.35 for a 20-year term, and $282.28 for a 30-year term.

Age 51

At age 51, estimated rates are $97.40 per month for a 10-year term, $127.06 for a 15-year term, $170.07 for a 20-year term, and $318.09 for a 30-year term.

Age 52

At age 52, estimated rates are $106.01 per month for a 10-year term, $141.52 for a 15-year term, $186.06 for a 20-year term, and $361.56 for a 30-year term.

Age 53

At age 53, estimated rates are $116.63 per month for a 10-year term, $159.23 for a 15-year term, $205.83 for a 20-year term, and $412.68 for a 30-year term.

Age 54

At age 54, estimated rates are $127.78 per month for a 10-year term, $177.81 for a 15-year term, $226.52 for a 20-year term, and $470.01 for a 30-year term.

Age 55

At age 55, estimated rates are $140.73 per month for a 10-year term, $199.74 for a 15-year term, $250.94 for a 20-year term, and $532.60 for a 30-year term.

Age 56

At age 56, estimated rates are $154.70 per month for a 10-year term, $218.41 for a 15-year term, and $277.92 for a 20-year term. A 30-year term is not available.

Age 57

At age 57, estimated rates are $171.32 per month for a 10-year term, $239.60 for a 15-year term, and $310.61 for a 20-year term. A 30-year term is not available.

Age 58

At age 58, estimated rates are $190.76 per month for a 10-year term, $265.76 for a 15-year term, and $350.88 for a 20-year term. A 30-year term is not available.

Age 59

At age 59, estimated rates are $210.13 per month for a 10-year term, $292.69 for a 15-year term, and $395.19 for a 20-year term. A 30-year term is not available.

Age 60

At age 60, estimated rates are $233.30 per month for a 10-year term, $323.69 for a 15-year term, and $443.29 for a 20-year term. A 30-year term is not available.

Female THC User Rates for Fewer Than 8 Uses Per Month

Age 30

A 30-year-old female who uses THC fewer than 8 times per month can expect to pay approximately $15.16 per month for a $1 million 10-year term policy, $17.71 for a 15-year term, $22.90 for a 20-year term, and $39.29 for a 30-year term.

Age 31

At age 31, estimated rates are $15.22 per month for a 10-year term, $18.08 for a 15-year term, $23.68 for a 20-year term, and $40.86 for a 30-year term.

Age 32

At age 32, estimated rates are $15.22 per month for a 10-year term, $18.47 for a 15-year term, $24.69 for a 20-year term, and $42.74 for a 30-year term.

Age 33

At age 33, estimated rates are $15.68 per month for a 10-year term, $18.90 for a 15-year term, $25.70 for a 20-year term, and $44.74 for a 30-year term.

Age 34

At age 34, estimated rates are $15.85 per month for a 10-year term, $19.40 for a 15-year term, $26.71 for a 20-year term, and $47.38 for a 30-year term.

Age 35

At age 35, estimated rates are $16.09 per month for a 10-year term, $20.14 for a 15-year term, $28.00 for a 20-year term, and $50.16 for a 30-year term.

Age 36

At age 36, estimated rates are $17.23 per month for a 10-year term, $21.84 for a 15-year term, $29.79 for a 20-year term, and $53.34 for a 30-year term.

Age 37

At age 37, estimated rates are $18.75 per month for a 10-year term, $24.07 for a 15-year term, $32.17 for a 20-year term, and $57.12 for a 30-year term.

Age 38

At age 38, estimated rates are $20.27 per month for a 10-year term, $26.30 for a 15-year term, $34.55 for a 20-year term, and $61.69 for a 30-year term.

Age 39

At age 39, estimated rates are $21.79 per month for a 10-year term, $28.53 for a 15-year term, $36.93 for a 20-year term, and $66.04 for a 30-year term.

Age 40

At age 40, estimated rates are $23.71 per month for a 10-year term, $31.36 for a 15-year term, $39.91 for a 20-year term, and $71.36 for a 30-year term.

Age 41

At age 41, estimated rates are $25.68 per month for a 10-year term, $33.84 for a 15-year term, $43.74 for a 20-year term, and $77.35 for a 30-year term.

Age 42

At age 42, estimated rates are $28.31 per month for a 10-year term, $37.16 for a 15-year term, $48.83 for a 20-year term, and $84.64 for a 30-year term.

Age 43

At age 43, estimated rates are $30.95 per month for a 10-year term, $40.47 for a 15-year term, $53.92 for a 20-year term, and $93.13 for a 30-year term.

Age 44

At age 44, estimated rates are $33.58 per month for a 10-year term, $43.79 for a 15-year term, $59.01 for a 20-year term, and $101.29 for a 30-year term.

Age 45

At age 45, estimated rates are $36.89 per month for a 10-year term, $47.96 for a 15-year term, $65.41 for a 20-year term, and $111.31 for a 30-year term.

Age 46

At age 46, estimated rates are $39.84 per month for a 10-year term, $51.68 for a 15-year term, $69.22 for a 20-year term, and $121.34 for a 30-year term.

Age 47

At age 47, estimated rates are $43.65 per month for a 10-year term, $56.63 for a 15-year term, $75.89 for a 20-year term, and $132.80 for a 30-year term.

Age 48

At age 48, estimated rates are $47.25 per month for a 10-year term, $61.59 for a 15-year term, $81.89 for a 20-year term, and $147.39 for a 30-year term.

Age 49

At age 49, estimated rates are $51.62 per month for a 10-year term, $66.54 for a 15-year term, $87.88 for a 20-year term, and $157.29 for a 30-year term.

Age 50

At age 50, estimated rates are $56.56 per month for a 10-year term, $72.76 for a 15-year term, $95.39 for a 20-year term, and $178.25 for a 30-year term.

Age 51

At age 51, estimated rates are $61.47 per month for a 10-year term, $78.18 for a 15-year term, $104.63 for a 20-year term, and $196.76 for a 30-year term.

Age 52

At age 52, estimated rates are $67.15 per month for a 10-year term, $85.40 for a 15-year term, $116.96 for a 20-year term, and $221.44 for a 30-year term.

Age 53

At age 53, estimated rates are $73.74 per month for a 10-year term, $92.63 for a 15-year term, $129.27 for a 20-year term, and $246.12 for a 30-year term.

Age 54

At age 54, estimated rates are $80.98 per month for a 10-year term, $99.85 for a 15-year term, $141.59 for a 20-year term, and $270.79 for a 30-year term.

Age 55

At age 55, estimated rates are $89.77 per month for a 10-year term, $108.89 for a 15-year term, $157.00 for a 20-year term, and $301.67 for a 30-year term.

Age 56

At age 56, estimated rates are $96.15 per month for a 10-year term, $119.63 for a 15-year term, and $174.69 for a 20-year term. A 30-year term is not available.

Age 57

At age 57, estimated rates are $106.40 per month for a 10-year term, $130.73 for a 15-year term, and $194.04 for a 20-year term. A 30-year term is not available.

Age 58

At age 58, estimated rates are $115.73 per month for a 10-year term, $143.01 for a 15-year term, and $215.38 for a 20-year term. A 30-year term is not available.

Age 59

At age 59, estimated rates are $125.70 per month for a 10-year term, $159.98 for a 15-year term, and $241.83 for a 20-year term. A 30-year term is not available.

Age 60

At age 60, estimated rates are $135.96 per month for a 10-year term, $178.22 for a 15-year term, and $264.02 for a 20-year term. A 30-year term is not available.

Female THC User Rates for More Than 8 Uses Per Month

Age 30

A 30-year-old female who uses THC more than 8 times per month can expect to pay approximately $20.03 per month for a $1 million 10-year term policy, $24.96 for a 15-year term, $30.55 for a 20-year term, and $49.11 for a 30-year term.

Age 31

At age 31, estimated rates are $20.28 per month for a 10-year term, $25.45 for a 15-year term, $31.33 for a 20-year term, and $50.75 for a 30-year term.

Age 32

At age 32, estimated rates are $20.29 per month for a 10-year term, $26.03 for a 15-year term, $32.34 for a 20-year term, and $52.74 for a 30-year term.

Age 33

At age 33, estimated rates are $20.30 per month for a 10-year term, $26.64 for a 15-year term, $33.35 for a 20-year term, and $54.73 for a 30-year term.

Age 34

At age 34, estimated rates are $20.30 per month for a 10-year term, $27.47 for a 15-year term, $34.36 for a 20-year term, and $57.20 for a 30-year term.

Age 35

At age 35, estimated rates are $20.30 per month for a 10-year term, $28.38 for a 15-year term, $35.65 for a 20-year term, and $59.90 for a 30-year term.

Age 36

At age 36, estimated rates are $21.82 per month for a 10-year term, $29.91 for a 15-year term, $37.94 for a 20-year term, and $63.67 for a 30-year term.

Age 37

At age 37, estimated rates are $23.86 per month for a 10-year term, $31.77 for a 15-year term, $40.64 for a 20-year term, and $68.35 for a 30-year term.

Age 38

At age 38, estimated rates are $25.89 per month for a 10-year term, $34.07 for a 15-year term, $43.81 for a 20-year term, and $73.68 for a 30-year term.

Age 39

At age 39, estimated rates are $27.92 per month for a 10-year term, $36.58 for a 15-year term, $47.05 for a 20-year term, and $78.69 for a 30-year term.

Age 40

At age 40, estimated rates are $30.48 per month for a 10-year term, $39.31 for a 15-year term, $50.85 for a 20-year term, and $84.96 for a 30-year term.

Age 41

At age 41, estimated rates are $33.10 per month for a 10-year term, $42.45 for a 15-year term, $54.68 for a 20-year term, and $91.70 for a 30-year term.

Age 42

At age 42, estimated rates are $36.58 per month for a 10-year term, $45.80 for a 15-year term, $59.06 for a 20-year term, and $100.34 for a 30-year term.

Age 43

At age 43, estimated rates are $40.07 per month for a 10-year term, $50.20 for a 15-year term, $64.50 for a 20-year term, and $109.67 for a 30-year term.

Age 44

At age 44, estimated rates are $43.49 per month for a 10-year term, $54.79 for a 15-year term, $70.05 for a 20-year term, and $118.66 for a 30-year term.

Age 45

At age 45, estimated rates are $47.94 per month for a 10-year term, $60.23 for a 15-year term, $76.45 for a 20-year term, and $129.89 for a 30-year term.

Age 46

At age 46, estimated rates are $51.70 per month for a 10-year term, $64.80 for a 15-year term, $81.05 for a 20-year term, and $141.22 for a 30-year term.

Age 47

At age 47, estimated rates are $56.77 per month for a 10-year term, $70.32 for a 15-year term, $89.04 for a 20-year term, and $155.02 for a 30-year term.

Age 48

At age 48, estimated rates are $62.05 per month for a 10-year term, $77.50 for a 15-year term, $97.26 for a 20-year term, and $171.29 for a 30-year term.

Age 49

At age 49, estimated rates are $67.19 per month for a 10-year term, $84.41 for a 15-year term, $105.18 for a 20-year term, and $187.50 for a 30-year term.

Age 50

At age 50, estimated rates are $73.63 per month for a 10-year term, $92.48 for a 15-year term, $114.75 for a 20-year term, and $206.72 for a 30-year term.

Age 51

At age 51, estimated rates are $79.23 per month for a 10-year term, $99.63 for a 15-year term, $125.13 for a 20-year term, and $229.66 for a 30-year term.

Age 52

At age 52, estimated rates are $86.69 per month for a 10-year term, $108.61 for a 15-year term, $137.13 for a 20-year term, and $257.49 for a 30-year term.

Age 53

At age 53, estimated rates are $93.53 per month for a 10-year term, $118.64 for a 15-year term, $152.26 for a 20-year term, and $287.47 for a 30-year term.

Age 54

At age 54, estimated rates are $101.64 per month for a 10-year term, $128.20 for a 15-year term, $166.49 for a 20-year term, and $321.41 for a 30-year term.

Age 55

At age 55, estimated rates are $111.02 per month for a 10-year term, $140.12 for a 15-year term, $184.00 for a 20-year term, and $359.65 for a 30-year term.

Age 56

At age 56, estimated rates are $119.79 per month for a 10-year term, $152.50 for a 15-year term, and $203.01 for a 20-year term. A 30-year term is not available.

Age 57

At age 57, estimated rates are $130.63 per month for a 10-year term, $166.98 for a 15-year term, and $224.76 for a 20-year term. A 30-year term is not available.

Age 58

At age 58, estimated rates are $142.57 per month for a 10-year term, $183.86 for a 15-year term, and $250.55 for a 20-year term. A 30-year term is not available.

Age 59

At age 59, estimated rates are $154.82 per month for a 10-year term, $202.77 for a 15-year term, and $279.41 for a 20-year term. A 30-year term is not available.

Age 60

At age 60, estimated rates are $169.46 per month for a 10-year term, $224.95 for a 15-year term, and $311.25 for a 20-year term. A 30-year term is not available.

How Much More Does Frequent THC Use Cost?

Applicants using THC more than 8 times per month generally pay more than those using it fewer than 8 times per month.

For example, a 40-year-old male using THC fewer than 8 times per month may pay approximately $48.16 per month for a $1 million 20-year term policy. A male of the same age using THC more than 8 times per month may pay approximately $62.00 per month.

That is a difference of $13.84 per month, or approximately $166.08 per year.

For a 50-year-old female, the estimated cost of a $1 million 20-year term policy is $95.39 per month with THC use fewer than 8 times per month. The estimated rate increases to $114.75 per month when use exceeds 8 times per month.

That is a difference of $19.36 per month, or approximately $232.32 per year.

The pricing gap often becomes larger as applicants get older and choose longer term lengths.

Does the Type of THC Product Affect Life Insurance Rates?

It can. Insurance companies may evaluate marijuana flower, THC vaping, edibles, oils, concentrates, and THC beverages differently.

Smoking or vaping may create additional concerns because the product is inhaled. Some companies may also ask whether the THC vape contains nicotine.

Edibles and THC beverages avoid smoke exposure, but the insurance company will still consider frequency, dosage, reason for use, and any related medical or behavioral history.

The rates shown on this page are grouped according to monthly THC usage and do not provide separate pricing for flower, edibles, vaping, concentrates, or drinks.

Does Medicinal Marijuana Receive Better Rates?

Medicinal use is not automatically viewed more favorably than recreational use. The insurance company will usually focus on the underlying medical condition.

For example, medicinal THC used for occasional pain may be evaluated differently from THC used for a serious neurological condition, chronic mental health condition, or significant sleep disorder.

In some situations, the underlying medical condition affects the rate more than the THC use itself.

Will THC Users Be Charged Tobacco Rates?

THC use alone does not always result in tobacco rates. Some companies may offer non-tobacco pricing to marijuana users, particularly when use is occasional and there is no nicotine use.

However, applicants who smoke cigarettes, vape nicotine, use dip, chew tobacco, nicotine pouches, or nicotine replacement products may be evaluated under separate nicotine or tobacco guidelines.

This is why applicants should clearly distinguish THC use from nicotine use when completing an application.

Can Daily Marijuana Users Buy Life Insurance?

Daily marijuana users may still qualify for life insurance, but carrier options can be more limited. The insurance company may offer a higher rate, request additional medical records, reduce the available coverage amount, or postpone the application in more complicated cases.

Daily use combined with substance abuse history, dangerous driving, untreated mental health concerns, missed work, or other risky behavior can make approval more difficult.

Applicants with frequent THC use should work with an independent broker who understands which companies are currently more favorable toward marijuana use.

Why Carrier Selection Matters for THC Users

Life insurance companies do not all treat THC use the same way.

One company may offer an occasional marijuana user a highly competitive rate, while another may charge a table rating, apply tobacco rates, or decline the application.

The lowest advertised rate is only useful when the applicant can actually qualify for it. Applying to the wrong company can result in a higher premium, unnecessary medical requirements, or an unfavorable decision that must be disclosed on future applications.

LifeStein compares policies from more than 50 life insurance companies and can help match THC users with carriers based on their age, frequency of use, product type, health history, and coverage needs.

How to Improve Your Chances of Getting a Competitive Rate

Be completely honest about your THC use. Insurance companies may review prescription records, medical records, laboratory results, driving history, and prior applications.

Know your approximate frequency. Saying that use is “occasional” may not be specific enough. Be prepared to explain whether you use THC once per month, once per week, several times per week, or daily.

Disclose the type of product. Flower, edibles, vaping products, concentrates, oils, and drinks may be viewed differently.

Separate THC use from nicotine use. Tell the broker whether the product contains nicotine and disclose any other nicotine products being used.

Explain the reason for use. Recreational use and medicinal use may require different follow-up questions.

Work with an independent broker before applying. Pre-screening the case can help identify the company most likely to offer favorable underwriting.

Get a Personalized $1 Million Life Insurance Quote

The rates on this page are examples and are not guaranteed offers. Your actual rate will depend on your age, sex, state, health, prescription history, driving record, THC usage, nicotine usage, coverage amount, and selected term length.

LifeStein works with THC users across the United States and compares options from more than 50 life insurance companies.

To receive a personalized quote, provide your age or date of birth, sex, state, height, weight, desired coverage amount, preferred term length, type of THC product, frequency of use, and whether you use nicotine.

A licensed LifeStein broker can review your information and help identify the companies most likely to offer competitive pricing.