Life Insurance for Marijuana Users Including No Medical Exam Options!

Certain marijuana friendly top rated best life insurance companies will offer up to preferred plus rates. Other companies will decline you outright. You need to apply with the right company from the start or you could be setting yourself up for failure.

The following article details out the keys to getting life insurance for marijuana users in 2016. Continue reading or save yourself the time and just give us a call  to see what we can do for you.

Life Insurance Approval with Recreational Marijuana Use or Prescription Marijuana Use

Can you get life insurance if you use marijuana? The quick answer is, YES, life insurance is available for marijuana users with or without a prescription. In other words, recreational marijuana users can obtain life insurance without having to hide their usage. Occasional marijuana users, even recreational pot smokers, or those who smoke a joint, or hit the occasional bong, can qualify at a preferred rate class with the right companies.

Find the Most Marijuana Friendly Life Insurance Carrier

In the following article we will attempt to point out all the potential roadblocks that a marijuana user buying life insurance will face. We realize that a around 12% of the population has smoked marijuana, so there are a lot of you out there. However, you do not need to go it alone. Our agents are skilled at placing our clients that use cannabis with the most appropriate company based on each carriers unique underwriting guidelines.

What is the key to getting a preferred rate class when using marijuana?

The key to obtaining the cheapest life insurance is knowing which marijuana friendly life insurance company to choose. That might ring painfully true to those who have already been declined for life insurance due to marijuana use. The key is having options. We work with many of the best life insurance companies ranked for each companies specific niche met.

We have found that the following companies tend to be the most marijuana friendly:

But one should be aware that, just because one company is more lenient for marijuana use does not mean that is the company to apply with.

You see…

Many of these companies will each have their own rules and regulations when it comes to determining who they “feel” will be an acceptable risk.  Which means that the results that you’ll get on your application can vary greatly depending on if you’re a:

  • Daily user vs an occasional user.
  • Recreational vs prescribed user.
  • And how you choose to use your marijuana, edible vs smoke/vape.


Your overall health and lifestyle will ultimately determine who the right company is for you. Therefore, choosing the right agency (think TermLife2Go) that has access to all these companies and more is the only way to truly “shop” for high risk life insurance.

Marijuana Life Insurance Case Study

We recently had a client who smoked weed twice a week apply with one of the more liberal marijuana underwriting companies. This same client had recently been approved with a competitor  at a Table B smoker rate. The Company we placed him with offered a preferred rate class. The difference in premium payment $332 down to $86 a month, or a savings of $2,950 a year! Disclaimer: Past results are not guarantees of future success.

Guide to Obtaining the Best Policy for Marijuana Users

marijuana life insurance1. Step One: Disclose Your Usage to Your Agent

The first step is being straightforward with your life insurance agent and letting them know you do use marijuana.

A life insurance drug test does check for marijuana or THC. The last thing you want is to not disclose your marijuana use and pop positive on a life insurance medical exam.

The life insurance urine test will detect marijuana, in addition to the presence of other drugs.

Not divulging your use could jeopardize your chances of getting the best rate class in addition to putting the life insurance company on alert that you may have not disclosed other important information.

Step 2: Disclose How Often You Use

From there, you will need to determine how often you partake of marijuana or cannabis to know what rate class you can expect to receive from the various life insurance carriers who underwrite marijuana users.

Unfortunately, life insurance companies do not currently differentiate between smoking marijuana (think joint, bong, spliff, blunt, gravity bong, etc…) using a varporizer or ingesting marijuana (think tinctures, brownies, cookies, frosting, etc…).

Hopefully in the near future marijuana life insurance companies will begin to rate various users differently depending on how they partake of marijuana.

Step 3: Disclose Your Reason for Using Marijuana

A carrier will want to know if you are being prescribed the drug. The main factor to consider for those clients looking for life insurance with prescriptions for medical marijuana will be the underlying reason for the prescription.

Obviously, there is a big difference between taking medical marijuana for glaucoma compared to taking medical marijuana for cancer.

In summary, the following questions will need to be answered in order for us to place you with the most suitable marijuana friendly life insurance company:

  • Is your marijuana use for recreational or medicinal purposes?
    • If medicinal, what is the underlying health condition and severity of the condition being treated?
  • How often do you use marijuana?
  • What is your method of use, i.e. smoked, ingested, inhaled, etc…

Marijuana Life Insurance Rate Classes

One of the most frequently asked questions we get is how does marijuana affect life insurance rates. If you only use marijuana a couple times a year (2 times) than you can qualify at a preferred best rate class.

Currently, the companies offering a preferred best rate class are very strict about that 2 times a year rule. Since life insurance companies test for THC, if it shows up in your urine you will not qualify for this rate class.

And what about those who are not so healthy? For example, clients looking for life insurance but are diabetic. There have actually been studies showing marijuana use can benefit people with diabetes. If you are diabetic, you use marijuana, and you are looking for life insurance, give us a call today to see what we can do for you.

Here is our marijuana life insurance exam tip:

If you are an occasional user (not defined) you can qualify at a preferred rate class as long as your urine comes back negative for traces of THC. The life insurance carrier figures that if your urine shows the presence of THC than you are not an occasional user. Typical estimates for how long marijuana can be detected are around 13 days, but there are reports of some people having came back positive for marijuana as far out as 90 days, so be careful!

If you use marijuana only twice a month then you can receive a standard plus rate class. You will need to list your use on the application because life insurance applications ask about drug use, i.e. marijuana. And as mentioned above, life insurance companies do test for marijuana.

If you use marijuana once a week you can still receive a standard rate class. However, if you use daily, then chances are you will receive a tobacco rate class even if you do not smoke marijuana but only use a vaporizer or ingest it.

TermLife2Go Can Shop Your Marijuana Life Insurance Approval!

Make sure the company you are applying with can switch life insurance companies if necessary to ensure that you will be getting the best possible offer on life insurance with marijuana.

TermLife2Go can take your life insurance approval and shop it with other marijuana friendly life insurance companies if the original carrier we placed you with does not come back at a favorable rate class.  This is a BIG deal because it can literally save you a huge amount of time and money.

Example of Shopping Your Marijuana Life Insurance Approval

We had a client admit to marijuana use on his life insurance application. However, he failed to mention it in our initial interview. As a result, the company we placed him with came back at a tobacco rate class. But when we discovered that he only used once in the last year we placed him with another company that had more liberal guidelines for marijuana use. The new company offered him a preferred rate class. There was a difference in premium of more than 500% for a preferred rate class compared to a tobacco rate he was offered.

Now most companies will simply try and get you to take the original policy and tell you to try again in a year once the agent has made his or her commission. However, that is not how we do things at TermLife2Go. We guide our clients throughout the process with the goal of finding the best company at the best price.

If I Admit Drug Use Can I Be Prosecuted?

Life insurance companies are governed by the Health Insurance Portability and Accountability Act of 1996 (HIPAA). HIPAA rules and regulations prevent the life insurance companies from divulging your information. Further, life insurance companies want clients to be honest so setting a precedent of telling on their clients would make business dry up fast. Therefore, you can sleep easy knowing your personal drug use history will go no further than the eyes of the life insurance carrier underwriter.

Changing Landscape of Marijuana Life Insurance

The landscape for marijuana and life insurance in the United States is changing. While many states still consider the sale and cultivation a felony, several states have legalized the use of recreational marijuana: California (November 8, 2016), Massachusetts (November 8, 2016), Nevada (November 8, 2016), Colorado (January 1, 2014), Washington (July 7, 2014), Alaska (November 4, 2014) and Oregon (October 1, 2015) along with the District of Colombia (February 26, 2015).

And the following states allow Marijuana use for medicinal purposes: Alaska, Arizona, California, Colorado, Connecticut, Delaware, Georgia, Hawaii, Illinois, Louisiana, Maine, Maryland, Massachusetts, Michigan, Montana, Nevada, New Hampshire, New Jersey, New Mexico, New York, Oregon, Rhode Island, Vermont, and Washington. source

With 30 states and D.C. legalizing medical marijuana it is not a stretch to believe that the current restrictions on obtaining life insurance for marijuana users will continue to be loosened. It is hard to imagine that the life insurance underwriting criteria for marijuana users will not change significantly as more and more states adopt marijuana friendly laws. As new companies come on the scene and as the current crop of companies loosen their standards, TermLife2Go will be right there offering the cutting edge life insurance products for marijuana users.  

Alternatives to Admitting Marijuana Use

An alternative to admitting drug use would be to consider lying on the life insurance application. However, lying on a life insurance application is fraud. It is better to just admit you are looking for life insurance with a pre -existing condition. Because if you commit fraud on a life insurance application, and the life insurance carrier finds out, the carrier will not pay the death benefit. That is a high price to pay (no pun intended) for not being straightforward with a life insurance company about your marijuana use.

Another alternative would be to stop using marijuana before applying for life insurance. If you have only used marijuana a couple times (no more than 2) in the last year then you may qualify for a preferred best rate class.

How About Using Marijuana After I Obtain Life Insurance?

Once you have a life insurance policy in place you may do what you want. The life insurance policy is based on who you were when you took out the policy. The life insurance is not affected by any dangerous hobbies that you engage in, any health problems that arise or any drug use you partake in AFTER the life insurance policy is put in place.

Therefore, if you use marijuana after you get a life insurance policy you are in the clear. Just know that a life insurance company will investigate the past history of a client to determine if the client was truly being straightforward and honest on his or her life insurance application.

About TermLife2Go

We’re looking for lifetime customers that will recommend their friends and family to us which is why we place customer satisfaction above all else. If you found this article on obtaining life insurance with marijuana use helpful, please give us a shot at earning your business.

So what are you waiting for?  Just give us a call today and let us guide you on the path to obtaining life insurance with Marijuana Use.

Thank you for reading our article, Recreational Marijuana Use or Prescription Marijuana Use and Life Insurance. Please leave any comments or questions below.


Are you ready to take a look at some actual rate quotes?  If so, just visit our page Life Insurance Quotes where you’ll be able to compare different life insurance companies against one another as well as be able to choose between no medical exam policies and traditional (exam required) life insurance policies.

And since we still have your attention…

It’s fair to say that most people who decide to purchase a life insurance policy do so that they can protect their loved one’s financial future in the event of their death.

But what happens if you get sick but don’t die?

Is your family’s financial future still protected?  Probably not.  Which is why we would encourage you to also take a look at the following articles which will discuss some other “types” of life insurance policies that can not only protect your family’s financial future, they could also significantly help our your own as well.

20 comments... add one
    • TermLife2Go


      Sorry, we’re only licensed to help folks purchase life insurance within the United States.



  1. Angie

    I just requested (about a week and a half ago) to up my benefits for life insurance and have to redo the medical exam. No big deal except I tried a vap last night, the one and only time I’ve done it. It’s my boyfriends and he suggested I try because I was having neck pain from a car accident a few days ago. I only took one small inhale but now I’m concerned about the blood/urine test. And do I need to call them and fess up? I rescheduled the exam for a week from now.

    • TermLife2Go


      We always advise our clients to be as honest as possible when applying for life insurance. So… we would recommend that you “fess up”.

      That being said however, it would also be helpful to us to know “which” life insurance company that you’re applying with.

      You see, not all life insurance companies are going to “consider” your “vaping” session the same. Some insurance companies may consider it grounds for denying your application, while other may simply charge you more money for your policy once you’ve been approved.

      Then, just to complicate matters even further, some insurance companies may be completely O.K. with your “experimentation” given the right circumstances.

      Our advice would be to just give us a call when you have a chance, fill us in on all the details, and we’ll do our best to help you out.



  2. Amelia

    Hi! Thank you for the article . Had a question. My grandparents bought me a life insurance policy and I am a daily user. They are supposed to come in a week. I know I won’t be clean by then . What is my best option. Should I reapply in a month or so. I’ll be a year older by then but will at least be clean

    • TermLife2Go


      Depending on which insurance company you applied with, testing positive for marijuana could mean that you will be denied coverage. The alternative would be to cancel your application first then reapply with a company that will be more “lenient” towards your marijuana use.

      We would recommend that you give us a call so we can learn more about which company you applied with so we can provide more accurate advice.



  3. Paul

    Thanks for the good advice. Very helpful. I’ll be “taking a break” as you suggest and reaching out to you guys to discuss.

    • TermLife2Go

      Sounds good, just give us a call on Monday, we think you’ll be pleased by what you learn.



  4. Paul

    I recently applied for Term Life Insurance with a traditional insurance company and disclosed with the underwriter that I had used Marijuana in the last 6 months. When the application came back my rate had doubled even though no MJ showed up in physical exams. I then applied with another company and did not disclose prior use with underwriters but they apparently had access to my first application and denied me based on admiting use with the first company.
    My questions are:
    1) are insurance companies allowed to share this info?
    2) if I’m denied by the second company do I now have to admit I was denied on future applications? Will that affect future rates/applications?
    3) should I re-apply with the second company, admit use, and (hopefully) get approved or move on to one of these more Marijuana friendly companies?

    I’m in very good health and a light Marijuana user so I would like to avoid the higher premiums.

    Thanks for your advice!

    • TermLife2Go

      Ok, you’ve asked a couple of questions here so let’s take them one at time.

      1) are insurance companies allowed to share this info?

      Yes, most insurance companies will enroll in a program called the Medical Information Bureau (MIB) which will record the results of an individual’s life insurance application. These results are then shared with any member insurance company.

      So yes, insurance companies are allowed to share this information. One important distinction should be made however, insurance companies can’t share exact specifics (such as one’s medical records or medical conditions), but they can share what rate class you qualified for.

      2) if I’m denied by the second company do I now have to admit I was denied on future applications? Will that affect future rates/applications?

      If you are denied by the second company, you should admit that you were denied should you choose to apply with a third company. The reason why you’ll want to do this is because is in your best interested, but also because “not disclosing this information won’t actually keep an insurance company from finding out (MIB once again).

      3) should I re-apply with the second company, admit use, and (hopefully) get approved or move on to one of these more Marijuana friendly companies?

      Being completely honest on a life insurance application is always the best policy. That being said however, we think what you need to do now is just “stop” and take a moment. Do you know if you are applying for life insurance with the most “marijuana friendly” life insurance company? If you don’t, you should probably just give us a call directly and “carefully’ plan out what to do next.



  5. Emily

    Thanks for such a great article. Very thorough and officially bookmarked!
    Question: If I have a client who admittedly smokes regularly (just disclosed this now, post app) but has [ONLY] completed an app with a company that we know frowns upon usage, is it best to move forward with said company and hope for the best upon med exam or best to just apply with another carrier such as Lincoln? If applying through another company is the answer, how will my client already submitting an app with another company affect his results with the new company, or will it?

    • TermLife2Go


      We would recommend that you should withdraw the current application, and then resubmit a new application to a more “well known”,….”marijuana friendly” insurance carrier.

      You’ll just want to make sure to disclose to the new insurance carrier that the original application was submitted and withdrawn.

      You may find that the new carrier will ask “Why was the previous application withdrawn?” at which point you will want to be completely honest.

      Good luck!


    • TermLife2Go


      TermLife2Go isn’t an insurance company, we’re actually an insurance brokerage that works with dozens of different life insurance companies. With that said, it looks like you’re looking for an insurance company that won’t penalize you for using marijuana.

      The good news is that there are several highly rated life insurance companies that will not discriminate against those using marijuana which is why you should give us a call when you have a chance so that we can see which company will be right for you.



  6. Bryan

    Great article. I have had a lot of clients ask me lately if they can get insured even though they have a medical marijuana card in Arizona.

  7. roxie

    In other words, if there is a medical reason someone is smoking marijuana some insurance companies will provide good rates as long as applicant has a current marijuana card. What about a prescription for oxycodone 30mg/240 every 30 days, and opana (not sure about mg) but 60 every 30 days? Am I better of getting a Guarantee Issue for my daughter’s father given the circumstances?….or a whole life product? He has a eye disease that has caused blindness in one eye which is why he’s so medicated…not sure how much this justifies large amounts of narcotics, but after 15 years and beginning with vicodin he has developed a tolerance. He is now 46, hgt 5’10 and wgt 215.

    • TermLife2Go


      A Guaranteed issue life insurance policy would certainly be the easiest route to take when it comes to getting your daughter’s father life insurance. The main down side however, would be that in general, a guaranteed life insurance policy will cost more that a simplified or fully underwritten policy and it will contain what is call a “graded death benefit” clause.

      A graded death benefit clause within a life insurance policy will state that for a certain period of time once the life insurance policy goes in force, the guaranteed life insurance policy will not cover the insured for natural causes of death! It is only after the insured has had their policy in force for maybe 2 or 3 years before it will begin to cover the insured for “natural causes” of death.

      For this reason and this reason alone, it is usually best to try to first find a simplified or fully underwritten life insurance policy first, and then if none are available, move on to a guaranteed issue policy as a last resort (preferably one that has a short graded death benefit period).

      We’d be happy to go over all of your options with you, just give us a call.



    • TermLife2Go


      It will usually depend on your frequency of use. Now, the insurance carriers may also request a copy of your medical records if you have been prescribed a medical marijuana state ID card (state dependent) since they would also typically be interested in the underlying medical cause for such a prescription. If your use is simply for recreational purposes, medical records will generally not be requested.

      Either way, you should just give us a call when you have a chance so we can really nail down your best options for you.



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