A Marijuana User’s Guide | How Marijuana Affects Insurance Rates

You can know more about the use of Marijuana for life insurance via this marijuana User’s Guide. Marijuana seems to be approved for medical use in 38 states and recreational use in 23 states with continued growth expected.

As the acceptance and legalization of marijuana for medical and recreational use continue to rise, cannabis users can be interested in how their life insurance could be affected.

Getting life insurance as a marijuana user is possible, but you may experience an unwanted side effect: higher life insurance rates.

Marijuana User’s Guide on Use and Health

After use, marijuana impairs judgment and short-term memory. Also, it alters perception, making it harmful to drive among other activities.

We did not find a definite study that proves that using marijuana will decrease a person’s life expectancy. However, there are studies that prove an association between marijuana and psychiatric disorders.

Long-term cannabis use, from age 18 into a person’s 20s and later, is also associated with health problems at age 50.

How Much Will Marijuana Affect Your Life Insurance Rates

An increase in life insurance quotes due to marijuana use will change based on your age, gender, and amount of coverage requested. That makes it hard to pin down an average increase.

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Here’s how much average quotes increase for 30- and 40-year-old men and women who are looking for a 20-year term life insurance policy:

Male age 30 9% 19%
Male age 40 10% 26%
Female age 30 29% 38%
Female age 40 10% 25%


How Often Should You Use Marijuana

Once you apply for life insurance, you’ll likely face questions about how you use marijuana often. Your answer will assist in grouping you into a health class, which includes super-preferred, preferred, or standard.

This will also aid in determining your life insurance rate, together with your answers to many other health and lifestyle queries.

According to Robert Bland CEO of LifeQuotes, an online life insurance agency), he says:

A lot of people are reluctant to admit recreational marijuana use

Frequent marijuana users often qualify for non-smoking rates, based on the company. This is key, just because being classified as a smoker will mean higher life insurance quotes.

Frequent use is often defined as only one or two times monthly. Every life insurance company decides its own parameters for what’s “frequent”. Should You add other issues to Marijuana use? See the following paragraphs.

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Adding Other Issues to Marijuana Use

You should expect increased rates if there are other factors that will push your life insurance quote up or even result in a denial. This involves health conditions and black marks in your history, such as a history of substance abuse, and others.

Be Honest About The Use of Marijuana

The main aim of a marijuana user who’s buying life insurance should be to get a non-smoking rate, especially if the use is occasional. Those who take in marijuana, such as edibles, should be able to receive a non-smoking rate.

Regardless of how frequently you use marijuana, and if it’s recreational or medicinal, it’s important to be truthful on any life insurance application.

Recall, that you’re going to be signing your name to the application and attesting that the information is true.“Misrepresentations” can be viewed as fraud and, at worst, can result in a company voiding the policy later.

Bland of LifeQuotes says;

We advise customers that it’s a crime in all 50 states to make a misrepresentation on an insurance application.

When you’re formally applying, you’re authorizing the insurer to check all outside records on you, including doctor records. When you fill out an application, you’re baring your soul.

All your answers on your application better match your doctor records and history.

You’re likely expected to take a life insurance medical exam that includes giving blood and urine samples. This is true for many life insurance buyers, not just marijuana users.

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The Life insurance company will likely look at your medical records including recent and past prescriptions. Also, it will look into your driving record, and access past answers to individual life and health insurance applications.

For further information about the marijuana users guide, feel free to check on us via our official page @ And don’t forget to share our content for more to learn too. Leave a comment below, if there’s any.