Will You Be Denied Life Insurance For Smoking Pot [No + Tips]

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Will You Be Denied Life Insurance For Smoking Pot?

As states begin to legalize the use of pot, we’ve seen an increase in marijuana use, which is considered high-risk life insurance.

Clients sometimes are nervous about disclosing marijuana usage because they are afraid of being denied for life insurance coverage or reported to the authorities.

Will you be denied life insurance for smoking pot? No, you will not be denied life insurance for smoking pot occasionally or medical use as long as you’re honest on your application.

 However, if you lie about your marijuana use and the life insurance company finds out, they can deny your life insurance application.

The first step to getting life insurance if you smoke pot is to check out the rates of the best life insurance companies in the industry.

You can compare the best life insurance rates easily below using our free rate engine tool that displays the rates with over 50 of the most reputable life insurance companies in the nation.


Not every life insurance company underwriters marijuana use the same, but an experienced high-risk life insurance broker can guide you on where to begin.

Our article will cover the following about life insurance and marijuana use:

How to Get Life Insurance if You Smoke Pot

How do Life Insurance Companies Test for Marijuana?

What are the Best Life Insurance Companies for Marijuana?

Final Thoughts on Life Insurance and Marijuana

How to Get Life Insurance if You Smoke Pot

As veteran high-risk life insurance brokers, we have seen a lot of change in the industry regarding the use of marijuana.

Some clients are concerned that if they admit they use marijuana that they will get denied for life insurance or reported to the authorities, so they don’t disclose it.

Whatever you do, you definitely do not want to lie on your life insurance application or withhold information to your agent.

Pro Tip: Life insurance companies will directly ask you on the application if you smoke marijuana so honestly is the best policy.

 The truth is that you won’t necessarily be denied life insurance for smoking pot if you disclose it.

In fact, top rates are available for pot smokers with some life insurance companies in some instances.

However, if you hide it and the life insurance company discovers that you lied, they may deny your application so be honest!

The key is working with a high-risk life insurance broker who understands what companies are favorable to people who use cannabis.

The more progressive life insurance companies on pot view it similar to alcohol. Occasional use is good, but if you smoke a lot of pot frequently, you may have a problem.

Simple right? You would think so.

Unfortunately, not every life insurance company agrees on what “occasional use” is, which is why you need to work with an expert high-risk life insurance broker.

Marijuana use is not something you want to throw at a direct-to-consumer life insurance site, such as ethos life insurance, and get surprised when your rate goes up.

You need a pot-smoking life insurance pro.

Additionally, every life insurance brokers work with multiple life insurance companies to find you a deal, but that doesn’t mean they are an expert.

This is not a job for a novice or rookie agent freshly licensed.

If your life insurance broker should ask you the following questions:

  • How often do you use marijuana?
  • Is your marijuana use for medical or recreational purposes?
  • Do you have a prescription or med card?
  • Do you smoke marijuana or take edibles?

The answers to these questions are crucial to getting the best life insurance for marijuana users.

Now, keep in mind that life insurance companies are lenient on smoking marijuana for recreational use or using marijuana for medicinal purposes, but are strict on breaking the law.

If you are trying to life insurance with a felony on your record for cultivating and distributing drugs illegally, then you’ll face greater scrutiny by life insurance companies.

How do Life Insurance Companies Test for Marijuana?

Life insurance companies are masters at uncovering details about your life and health that you would never imagine that they would know about.

Many life insurance companies will require that you take a medical exam that includes blood work, urine sample, build measurement, blood pressure, and questions about your health.

Life insurance companies can tell by the level of THC on your lab results if you’re smoking pot and how much.

Pro Tip: Some life insurance companies will charge you higher rates if you test for THC on your lab work and other life insurers don’t care at all!

If you are a frequent user of marijuana, then you likely will test positive for THC on your lab work.

If that is the case, then you should consider applying with life insurance companies that are lenient on positive THC readings on your lab work.

Now, I am sure you’re thinking, “what if I apply for no-exam life insurance?”

All the best no-exam life insurance companies will ask you questions about if you smoke marijuana.

Additionally, some no-exam life insurance companies will request medical records from your doctor.

If your doctor has any record of you smoking pot at all in your medical file, that could cause problems for you on your application for no-exam life insurance.

However, there are life insurance companies that will approve you for coverage with no medical exam if you smoke marijuana.

Burial insurance is a subset of no-exam life insurance that will also approve you for life insurance if you smoke pot.

In fact, there are burial insurance policies out there that might not even ask about your marijuana use at all!

Again, be sure to consult an experience high-risk life insurance broker to determine what option is best for you.

What are the Best Life Insurance Companies for Marijuana?

There are a few life insurance companies that are hands down the best for marijuana users.

Only the most conservative of life insurance companies will deny you for life insurance for smoking pot.

However, that doesn’t mean you’ll get a great rate with just any old life insurance company if you smoke marijuana.

Many life insurance companies will treat your marijuana use as they do tobacco and jack up your rates.

If you want the best possible life insurance rate for marijuana users, you need to look at the following life insurance companies:

Best Term Life Insurance for Marijuana Users

  1. Prudential Life Insurance
  2. Lincoln Life Insurance
  3. Minnesota Life Insurance

While the above life insurance companies are the best in the industry when it comes to smoking marijuana, they will require a medical exam.

If you smoke pot and want life insurance without the hassle of a medical exam, we’d recommend checking out these no-exam life insurance companies:

Best No-exam Life Insurance for Marijuana Users

  1. Sagicor Life Insurance
  2. Foresters Life Insurance
  3. Nassau Re Life Insurance (Phoenix Life)

There are pros and cons to using each of these life insurance companies, so be sure to compare their quotes with a knowledgable high-risk life insurance broker to narrow down your options.

Final Thoughts on Life Insurance and Marijuana

Marijuana is increasingly becoming more acceptable as a recreational activity as well as used for medicinal purposes in the United States.

Life Insurance companies understand this and the odds of you being denied for life insurance for smoking pot decrease as time goes by, and we understand more about marijuana use.

However, you need to be honest with your agent and your life insurance company.

The minute you lie on a life insurance application, all understanding and leniency goes out the window.

Life insurance companies will test for THC in your lab results, and will directly ask you flat out if you use marijuana so be prepared.

Take a look at our websites quote tool to easily compare the rates of the top life insurance companies for marijuana smokers today.

If you have any further questions regarding getting life insurance with marijuana use, please contact us.