Life Insurance for Weed Smokers

Life insurance companies consider cannabis use in many ways, some might not be willing to insure a cannabis user, others might classify the same person as a tobacco user. Some companies, like Prudential, may give you a non-tobacco rating for limited cannabis use provided that you admit it up front.

Unless you're getting life insurance with no medical exam, you will likely be tested for several substances. A medical exam will include one or more of the following: a blood test, urinalysis, and a hair follicle test. The latter are far less common, but more likely if there is additional concern for drug use.

The times listed below are general, aggregate examples for use of marijuana and other drugs insurance companies might test for.

Drug Tests for Life Insurance

Test Type How Long for Clean Test
Urine test 4 to 6 weeks
Blood test 3 to 5 months
Hair follicle test 6 to 9 months

Life Insurance Companies May Test for the Following Drugs

  • Amphetamine / Methamphetamine
  • Cocaine
  • Marijuana
  • Nicotine
  • Opiates
  • Phencyclidine (PCP)
  • Barbiturates
  • Benzodiazepines
  • Methadone

While we do not endorse the use of illegal drugs or any drug for purposes other than those for which they are prescribed, the legal, social, and political landscape for cannabis is changing. Marijuana is now the third most popular drug next to alcohol and tobacco.

While we do not endorse the use of illegal drugs or any drug for purposes other than those for which they are prescribed, the legal, social, and political landscape for cannabis is changing. Marijuana is now the third most popular drug next to alcohol and tobacco.

This might make you think insurance companies would be on board with progressive thinking about cannabis use, but you'd be sadly mistaken. At the end of the day, insurance companies are conservative. Specific to a term life insurance policy, they are making a calculated bet that you will not die in a set period of time.

Options for Life Insurance for Marijuana Users

The most obvious answer, stop using marijuana, might not be the best answer for you if you're a medical marijuana user treating a condition. Even as a recreational user, which is legal at least at the local level in some places, you may not be interesting in quitting.

If you're a cannabis user, be your reasons medical or recreational, finding the best agent[/get-started] through Term Life Insurance USA who works with multiple life insurance carriers will give you the absolute best odds of getting the the right policy for you.

Factors Impacting Life Insurance Premiums for Cannabis Users

  • The less you smoke, the better your premiums will be.
  • Reason for use: Medical / Recreational.
  • How the drug is used, smoked, vaporized, eaten, etc.
  • As a medical marijuana user, the condition you're attempting to treat might be its own health problem that would cause rates to increase.

The Truth Will Set You Free

Whatever you do, do not lie. Not only is this an act of fraud, but misrepresenting when applying for insurance can lead to an inability to get insured by another carrier. There is no need to lie; the information you provide an insurance agent about your marijuana use can not be used against you. HIPAA, the Health Insurance Portability and Accountability Act of 1996, prevents life insurance companies from sharing your information.