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Life Insurance for THC Users
Buy Life Insurance with Weed Use at LifeStein.com
Request Your Quote with THC Use
Life Insurance for Weed, THC, Delta-8, and Delta-9 Users
Get life insurance that understands your lifestyle.
If you use weed, THC, Delta-8, or Delta-9, you can still qualify for excellent life insurance rates.
At LifeStein.com, we work with over 50 top-rated carriers who offer fair underwriting for cannabis users — even if you smoke, vape, or use edibles.
Why Choose LifeStein.com if You Use THC or Marijuana
LifeStein.com is one of the few life insurance agencies in the country that truly understands how carriers underwrite marijuana and THC users. Whether you use weed, edibles, vapes, Delta-8, or Delta-9, we know exactly which companies to apply with — and which to avoid. Our experience allows us to match each client to the right insurer for their lifestyle, ensuring fair rates and smooth approvals. You’ll work directly with Matt Mims, the owner, not a call center or rotating representative. LifeStein partners with more than 50 top-rated carriers that treat cannabis use fairly, and many offer no-exam options for faster approval. We’ve helped hundreds of THC and CBD users secure affordable coverage without being unfairly classified as smokers. Licensed in all 50 states, LifeStein makes it easy to compare real-time quotes and apply online confidently. If you use THC, LifeStein makes life insurance simple, private, and affordable — exactly the way it should be.
Can You Get Life Insurance if You Use Weed or THC?
Yes — absolutely.
Life insurance companies have come a long way from automatically labeling marijuana users as “smokers.”
Today, select carriers like Legal & General, Banner Life, Protective, Symetra, and Corebridge allow cannabis use while still offering non-smoker or Standard Plus rates.
Depending on your use:
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Occasional users (1–2x per week): Often qualify for non-smoker rates.
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Frequent users: May qualify for Standard rates if overall health is good.
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Edible, Delta-8, or vape users: Usually reviewed more favorably than those who smoke.
FAQ — Life Insurance for Weed, THC, and Delta-8 Users
Can I get life insurance if I use weed or THC? Yes. LifeStein works with more than 50 top-rated insurers that accept marijuana and THC users. Depending on how often you use, you can often still qualify for non-smoker or Standard Plus rates.
Do life insurance companies test for THC? Some do, usually as part of the medical exam. However, LifeStein also offers no-exam options through partners like Ethos , where THC testing isn’t required.
Will marijuana use make my premium higher? Not always. Occasional users can often receive the same pricing as non-smokers. Daily or heavy users may pay slightly more, but the right carrier can still keep rates affordable.
Is Delta-8 treated differently from marijuana? Yes. Many insurers view Delta-8 as hemp-derived and non-psychoactive, similar to CBD. That means you’re less likely to be rated as a smoker when applying through LifeStein.
Can I get life insurance if I use edibles or vape? Absolutely. Vaping or consuming edibles doesn’t automatically label you as a smoker. LifeStein knows which companies separate tobacco use from THC use, saving you money.
Do I need to disclose my marijuana or THC use on my application? Yes — always be transparent. LifeStein helps you answer application questions correctly so you’re rated fairly and your policy pays out when your family needs it most.
What if I use medical marijuana? You can still qualify for life insurance. The key factor is the underlying health condition being treated, not the marijuana itself. LifeStein helps position your case properly for approval.
Can I get approved if I use THC daily? Yes. Frequent users may be rated Standard, but approval is still very possible. We’ve helped daily THC users secure coverage with major carriers nationwide.
Does LifeStein offer coverage in all states? Yes. LifeStein is licensed in all 50 states and helps cannabis users everywhere find fair, affordable protection.