Can a marijuana user get life insurance?

Yes, a marijuana user can get life insurance, but it may be more difficult or expensive compared to someone who does not use marijuana. When applying for life insurance, the applicant will be asked a series of health and lifestyle questions, which may include questions about marijuana use.

If the applicant admits to using marijuana, the insurance company may request additional information such as the frequency and method of use, the amount consumed, and whether or not they have a medical marijuana prescription. The insurance company may also request a medical exam or blood test to assess the applicant’s overall health and detect any underlying health conditions that may be related to marijuana use.

Marijuana use can affect life insurance rates because it is still considered an illegal drug under federal law, and some insurance companies view it as a higher risk factor for health issues and accidents. Therefore, marijuana users may be charged higher premiums or may only qualify for certain types of policies.

However, some insurance companies are becoming more lenient towards marijuana use, especially in states where marijuana has been legalized. In fact, some insurers may consider marijuana use on par with tobacco use and charge similar rates for smokers and marijuana users.

In summary, a marijuana user can get life insurance, but the cost and availability of coverage may depend on the frequency and method of use, the amount consumed, and the specific policies of the insurance company. It’s always best to be honest and upfront about any marijuana use when applying for life insurance to avoid any potential issues or complications later on.

Asked May 8, 2011 by Andy Villena