Life insurance companies have historically been cautious about insuring marijuana users, but as legalization spreads, underwriting rules are evolving. If you use marijuana—whether recreationally or for medical reasons—you likely still qualify for life insurance. But your rates and eligibility will depend on factors like frequency of use, reason for use, and the insurer’s policies.
How Life Insurance Companies View Marijuana Use
Life insurance providers view marijuana use in different ways. Some still classify it similarly to tobacco use, which can result in higher premiums, while others take a more lenient approach (especially in states where it’s legal). Here’s what most insurers pay attention to:
- Frequency of Use: Occasional users may receive better rates than especially heavy consumers.
- Method of Consumption: Smoking may be treated differently than edibles, tinctures, or vaping.
- Medical vs. Recreational Use: If marijuana is prescribed for a medical condition, insurers will evaluate the underlying health issue as well.
- State Laws & Insurer Policies: Some companies are more flexible in states where marijuana is legal.
Does Marijuana Use Affect Life Insurance Rates?
That depends on how a specific insurer classifies the risk of marijuana use. Here’s how it typically breaks down:
| Usage Level | Possible Rate Classifications |
| Occasional (1-2x/month) | Standard or Preferred rates |
| Moderate (weekly) | Standard rates or slight increase |
| Frequent (daily) | Smoker rates or possible denial |
| Medical Use | Case-by-case evaluation, may depend on the condition being treated |
Tips for Getting the Best Life Insurance as a Marijuana User
- Be Honest on Your Application – It is always best to be 100% honest upfront, no matter how that might affect your rates.
- Compare Multiple Insurers – Some companies are more marijuana-friendly than others, and rates can vary significantly.
- Work with an Independent Agency – Agencies like Everyday Life Insurance can match you with insurers that offer the best rates for your lifestyle & habits.
- Reassess Your Policy Over Time – If you quit or reduce usage, you may qualify for lower rates in the future.
Finding the Right Life Insurance for You
So the answer is yes, you can get life insurance as a marijuana user, but your rates and options will depend on how often you use it and the insurer’s policies. Shopping around and working with an independent agency can help you find a policy that meets your needs at the best price. Everyday Life Insurance offers plans starting as low as $4 per month, making it easy to get coverage that fits your lifestyle.Whether you have never had a life insurance policy before or are looking to reassess your coverage, we encourage you to try our online life insurance calculator. It’s free, totally anonymous, and doesn’t even require an email address. See what offers are available to you today!
