Best Life Insurance Companies That Will Insure Marijuana Smokers in 2024
There are many life insurance companies that will insure marijuana smokers but you may be charged higher rates than non-smokers. The amount you pay depends on how often you use marijuana and how you take it. Both marijuana smoking and edibles affect life insurance coverage. Since you may have to take a medical exam to get life insurance, you should never lie about marijuana use when applying for life insurance.
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Heidi Mertlich
Licensed Life Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Life Insurance Agent
UPDATED: Jun 30, 2022
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Jun 30, 2022
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- You can still get life insurance even if you are a marijuana smoker
- You may have to take a medical exam, so make sure you’re honest on your life insurance application
- If you use medical marijuana, your life insurance rates may be higher — but because of your medical condition, not the marijuana use
Even though marijuana is legal for both medical and recreational use in many states, getting life insurance for marijuana smokers can still be an issue.
Some life insurance companies may see your use as a cause for concern. Depending on different factors, you may be charged more for your coverage. Sometimes even the best life insurance companies may deny you coverage altogether.
However, there are life insurance companies that will insure marijuana smokers.
Does occasional use qualify you as a smoker? Can you keep your marijuana use secret from a life insurance company?
All these issues and more impact your life insurance coverage prospects. This guide is here to answer all your questions.
You don’t have to get the life insurance you need. Instead, find life insurance rates from life insurance companies that will insure marijuana smokers by entering your ZIP code into our free tool.
What is the best life insurance company if I use marijuana?
Finding a life insurance company that will insure marijuana smokers doesn’t have to be complicated. The following major insurance companies are all known for insuring marijuana smokers:
- AIG
- Fidelity
- Foresters
- Global Atlantic
- Metlife
- Phoenix
- Protective
- Transamerica
As you can see, there are many different types of companies to choose from. Getting a quote is the best way to see your personalized rate for life insurance coverage.
Will a life insurance company test me for marijuana?
It varies according to the company, but some life insurance companies require medical exams that typically involve testing both blood and urine for evidence of cigarette or drug use.
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How do life insurance companies determine rates for marijuana smokers?
Your life insurance rates as a marijuana smoker will fluctuate depending on how old you are, if you’re male or female, and the level of coverage you want.
Here are some average rates from top life insurance companies to give you an idea of what you will pay:
Average Life Insurance Rates from Top Companies
| Insurance Company | Average rates single 25-year-old female | Average rates single 25-year-old male | Average rates married 35-year-old female | Average rates married 35-year-old male | Average rates married 45-year-old female | Average rates married 45-year-old male | Average rates married 55-year-old female | Average rates married 55-year-old male | Average rates married 65-year-old female | Average rates married 65-year-old male |
|---|---|---|---|---|---|---|---|---|---|---|
| John Hancock | $172.50 | $178.30 | $178.30 | $189.80 | $241.50 | $292.10 | $407.10 | $533.60 | $937.30 | $1,380.00 |
| Lincoln National | $187.00 | $231.00 | $191.00 | $238.00 | $239.00 | $283.00 | $435.00 | $615.00 | $903.00 | $1,577.00 |
| MassMutual. | $132.00 | $147.00 | $137.00 | $151.00 | $209.00 | $230.00 | $373.00 | $451.00 | $763.00 | $1,049.00 |
| New York Life | $158 | $152 | $164 | $160 | $262 | $245 | $414 | $696 | $924 | $1,416 |
| Prudential Financial | $195.00 | $237.00 | $196.00 | $248.00 | $314.00 | $378.00 | $496.00 | $584.00 | $941.00 | $1,412.00 |
| State Farm | $143.00 | $164.00 | $166.00 | $175.00 | $238.00 | $239.00 | $341.00 | $396.00 | $684.00 | $955.00 |
| Transamerica | $164.00 | $176.00 | $161.00 | $171.00 | $229.00 | $255.00 | $453.00 | $527.00 | $1,139.00 | $1,367.00 |
Some variables can increase the amount you pay for life insurance. They may even cause an insurer to deny you. This includes medical issues and your driving record, such as traffic incidents and DUI charges.
What kind of life insurance should marijuana users get?
Marijuana use and life insurance aren’t mutually exclusive. You can choose the type of insurance you get when you choose the right company.
However, one type of life insurance popular for people with health issues is guaranteed acceptance life insurance. It’s sometimes called no medical exam life insurance because you don’t need to an exam to get this type of coverage.
While you are virtually guaranteed to be accepted, you may want to consider one thing — this type of coverage is more expensive than other types of life insurance.
Do medical marijuana users get special treatment for life insurance?
You may have extra concerns regarding life insurance if you use medical marijuana. For example, life insurance companies see you as a risk if you are smoking marijuana for a medical issue.
This isn’t directly related to your marijuana use, but your rate will be determined by whether or not your medical condition shortens your life span.
Insurers will not treat you the same as a healthy person if this is the case, and your rates will increase.
If you use marijuana only occasionally, for example, once or twice a month to manage pain or for a sleep issue, you may get lower rates. This is because you’ll be eligible for non-smoking rates. Non-smokers pay much less for life insurance than smokers.
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Life Insurance Companies That Will Insure Marijuana Smokers: The Bottom Line
If you’re one of the many people across the country who use marijuana, you should be able to buy life insurance coverage. However, you will need to compare different companies, as there may be life insurance companies that will not insure marijuana smokers.
The best way to compare quotes is with our free tool. Find rates from life insurance companies that will insure marijuana smokers near you.
Enter your ZIP code below to find affordable life insurance companies that will insure marijuana smokers in your area.
Enter your ZIP code below to compare cheap life insurance rates.
Secured with SHA-256 Encryption
Heidi Mertlich
Licensed Life Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...
Licensed Life Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.