Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Sep 29, 2021

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The Brief

  • There are policies available to marijuana smokers
  • It largely depends on locality and the insurer
  • Your insurer will likely find out you smoke during underwriting

When you begin looking for life insurance companies that will insure marijuana smokers, you may worry about astronomical rates.

While some insurers still hold an older view of marijuana use, some have come around to it and will provide affordable sample life insurance rates for policyholders.

If you’re looking for quotes for life insurance companies that will insure marijuana smokers, enter your ZIP code into our free quote tool.

Life Insurance Companies That Will Insure Marijuana Smokers

Whether or not an insurance company will cover marijuana smokers likely depends on a few things. Legality and frequency are bound to come into question, as well as how you prefer to smoke it.

These can all affect your policy, and some factors may prevent you from getting one, though there are several insurers who are willing to give policies to people who smoke marijuana. Some insurers that offer better rates for marijuana smokers include:

  • Pacific Life
  • Principal
  • Prudential

These are just a few, and other insurance companies might not look so harshly at marijuana use soon. Below are some sample rates from Pacific Life:

Pacific Life Average Rates for Smokers vs. Non-Smokers
Rates30-Year-Old Male30-Year-Old Female40-Year-Old Male40-Year-Old Female
Smoker$65.02$50.57$113.47$82.02
Non-Smoker$19.25$16.47$29.00$24.07
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As you can see, some rates for life insurance companies that will insure marijuana smokers can still be affordable, despite how other companies may look negatively at the habit.

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How is marijuana use viewed by insurers?

Life insurance companies that don’t insure marijuana smokers often have a more outdated view of smoking, or wont’ do so because it’s illegal in your state.

If marijuana hasn’t been legalized in your state, your insurer may worry about the potential for you getting ahold of something that might pose an additional danger.

There is always a danger with getting THC concentrates or cartridges off the street, as it’s hard to tell what’s in it in that form.

Opinions on Different Types of Marijuana

Insurers who allow marijuana use might view the different types of ingestion as a varying scale of risk. What about edibles and life insurance?

Since smoking can cause damage to your lungs and throat, an insurer might be more lenient if you choose to eat edibles rather than smoke.

If you smoke marijuana, you’re more likely to get tobacco insurance rates due to the risk involved.

Medical Marijuana and Life Insurance

Since medical marijuana is a medicine prescribed by a doctor, a life insurance company will be much more lenient; however, the condition you use it for may harm your rates.

Will companies give marijuana smokers life insurance?

It largely depends on the insurer and their location within the country. Some insurers won’t mind, but others will be more strict.

Limit your intake before your underwriting and make sure that you can pass all other exams to ensure your policy.

Will marijuana use affect current life insurance?

Fortunately, once you go through the underwriting process, you have the rate on your policy for as long as you continue to pay the premiums.

Unlike health or car insurance, your premiums can’t be affected by what happens within your life, short of dying.

Should you lie about recreational drug use?

You should never lie to an insurance company. It is a gamble and your benefits can become void when you need them the most.

If your life insurance company has a zero-tolerance policy on recreational drug use and it shows up in your system, you could lose the death benefit.

Especially when it comes to marijuana use, with some insurers being so lenient, it doesn’t make sense to waste your time trying to trick an insurer into giving you a policy.

Do life insurance companies test for THC?

When you apply for a life insurance policy, you’ll likely have to undergo some form of underwriting. This can include a medical exam where they take blood and urine samples to check your health.

If THC shows up during this exam, your insurer will find out.

While the insurer won’t always test for marijuana specifically, it may come up during your typical medical underwriting.

How to Save on Your Marijuana Life Insurance Premiums

As with all life insurance policies, there are many things marijuana smokers can do to ensure they get the best rates available to them. According to the Insurance Information Institute (III), those who want lower life insurance rates should:

  • Research – Make sure the company you’re giving your business to insures marijuana smokers and won’t assign any harsh categories to them. Also, make sure they have the assets to payout.
  • Get in Good Shape – When you go in for the underwriting process, it’s important to make sure you’re in the best shape you can be, and you may want to limit marijuana use leading up to your appointment.
  • Pick the Right Policy – There is any number of insurance policies, with term life insurance being the most straightforward. If you get term life, ensure it has a renewable option to let you extend coverage.

It shouldn’t be an issue to get lower premiums on your policy. Even if you want life insurance and recreational drugs are a hobby, you may still be able to get an affordable rate depending on your health and insurer.

When it comes to life insurance for smokers, there are options to find affordable life insurance companies that will insure marijuana smokers.

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Life Insurance for Marijuana Smokers: The Bottom Line

When you begin looking for life insurance as a marijuana smoker, you may be a little worried about what options will be available to you.

However, you can likely rest easier knowing that there are some insurers who will gladly provide you with an affordable policy.

If you’re curious about how to find rates for life insurance companies that will insure marijuana smokers, enter your ZIP code into our free quote tool.