Can you get life insurance if you smoke weed?

Yes, many life insurance companies offer policies to weed smokers. However, rates may vary depending on the frequency of use and insurer policies.

Does smoking weed affect life insurance rates?

Yes, smoking weed can impact your rates. Some companies classify weed users as smokers, which leads to higher premiums, while others are more lenient.

Do life insurance companies test for THC?

Yes, most traditional life insurance policies require a medical exam that includes a drug test for THC.

Can I get life insurance if I test positive for THC?

Yes, but your rates may be higher, and some insurers may decline coverage depending on your level of use and reason for using THC.

Which life insurance companies cover marijuana users?

Many top life insurance companies offer coverage for marijuana users, including Banner Life, Legal & General, Pacific Life, and Mutual of Omaha.

Can I get life insurance if I use Delta-8 THC?

Yes, but Delta-8 THC users may face similar underwriting as Delta-9 THC users, depending on the insurer.

Does Delta-9 THC affect life insurance approval?

Yes, Delta-9 THC is typically tested for in life insurance medical exams, and frequent use can impact underwriting decisions.

Do edibles affect life insurance rates?

Yes, insurers consider any form of THC consumption, including edibles, when determining rates.

Are there life insurance policies for daily weed users?

Yes, but daily users may face higher premiums or need to opt for no-exam policies.

Does vaping THC impact life insurance?

Yes, vaping THC can be treated similarly to smoking by insurers, potentially resulting in higher premiums.

What happens if I fail a life insurance drug test for THC?

If you test positive for THC, your application could be postponed, denied, or result in higher premiums.

Do life insurance companies differentiate between medical and recreational marijuana use?

Some insurers differentiate, with medical marijuana users often facing stricter scrutiny due to potential underlying health conditions.

Can I get life insurance if I use weed occasionally?

Yes, occasional use is generally treated more favorably than daily use by most life insurance companies.

Does life insurance cover deaths related to weed use?

Yes, unless the death occurs under conditions excluded in the policy, such as illegal activities.

How long does THC stay in your system for a life insurance test?

THC can be detected in urine for up to 30 days and in blood for a few days, depending on usage frequency.

Can I get life insurance if I work in the cannabis industry?

Yes, but some insurers may have restrictions based on your job role and income source.

How can I find the best life insurance as a cannabis user?

Working with an independent agency like LifeStein can help you compare options from multiple insurers.

Do life insurance companies care if you smoke weed?

Yes, most companies consider it when determining rates, though some are more lenient than others.

Can I lie about my weed use on a life insurance application?

No, lying on a life insurance application is considered fraud and could result in claim denial.

Does CBD use affect life insurance rates?

CBD use generally does not impact life insurance rates since it does not contain THC.

Life Insurance for People Who Use Weed – Get Affordable Coverage Now

mattmims
Mar 15
3 min read

If you use weed and need life insurance, you might worry about getting high rates or even being denied coverage. The good news? Many top-rated life insurance companies offer policies for marijuana users—but the key is knowing where to apply.

At LifeStein.com, we help marijuana users find the best life insurance rates by working with multiple carriers. Get a free quote today: https://www.lifestein.com/weedlifeinsurance.

Can You Get Life Insurance If You Use Weed?

Yes, you can get life insurance if you smoke, vape, or use edibles, but the rate you receive depends on a few factors:

How often you use marijuana (daily, weekly, or occasionally)
The reason you use it (recreational or medical use)
Your overall health
Which company you apply with

Not all life insurance companies treat marijuana use the same. Some classify all users as smokers (which means higher rates), while others offer non-smoker rates if your usage is limited. That’s why applying with the right company is crucial.

Best Life Insurance Companies for Weed Users

At LifeStein.com, we work with the best life insurance companies that offer coverage for marijuana users, including:

Legal & General (Banner Life) – Allows occasional use without smoker rates.
Protective – Offers non-smoker rates for recreational use.
Symetra – Best for daily users who want fair pricing.
Pacific Life – Offers competitive rates for light marijuana users.
Transamerica – Provides coverage for those who use marijuana medically.
Mutual of Omaha – May consider non-smoker rates depending on frequency.
Penn Mutual, Nationwide, Corebridge, Principal, Securian, Lincoln Financial, and more.

How Life Insurance Companies Classify Marijuana Users

Each insurer has its own guidelines, but here’s a general breakdown of how companies classify marijuana users:

Frequency of Use	Possible Rating
Occasional (1-2 times per month)	Non-smoker rates available
Weekly Use	Case-by-case basis (some offer non-smoker rates)
Daily Use	Most companies rate as a smoker
Medical Marijuana Use	Depends on the reason for use (some offer standard rates, others rate higher)

If you use marijuana and need life insurance, LifeStein.com can help you find the right company based on your usage.

Real-Life Example: How a Marijuana User Got the Best Life Insurance Rate

Case Study: James, a Recreational Marijuana User

James, a 34-year-old software engineer from Denver, uses marijuana 3-4 times a month recreationally. He applied for life insurance through a major carrier and was shocked to receive a smoker classification, which doubled his premiums to over $90 per month for a $1 million policy.

After reaching out to LifeStein.com, we matched him with Banner Life, which considers occasional marijuana use under non-smoker rates. James qualified for a $1 million policy at just $42/month, saving him over $600 per year compared to the initial offer. He now has the coverage he needs at a rate that fits his budget.

Tips to Get the Best Life Insurance Rates as a Weed User

Apply with the right company – Not all insurers treat marijuana users the same.
Be honest on your application – Lying can result in claim denial.
Consider a medical exam policy – If you're in good health, you may get lower rates.
Work with an independent agency like LifeStein.com – We compare rates across multiple insurers to find you the best deal.

Life Insurance for Medical Marijuana Users

If you use medical marijuana, your rates may depend more on your health condition than marijuana use itself. For example:

Anxiety or insomnia? Some companies may approve you at standard rates.
Chronic pain or serious illness? You may face higher rates or exclusions.

We help medical marijuana users find the best policies for their situation. Get a personalized quote today: https://www.lifestein.com/weedlifeinsurance.