Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Dec 2, 2021

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The Facts of Life

  • 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.

Enter your ZIP code below to compare cheap life insurance rates.

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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 CompanyAverage rates single 25-year-old femaleAverage rates single 25-year-old maleAverage rates married 35-year-old femaleAverage rates married 35-year-old maleAverage rates married 45-year-old femaleAverage rates married 45-year-old maleAverage rates married 55-year-old femaleAverage rates married 55-year-old maleAverage rates married 65-year-old femaleAverage 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
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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.

Enter your ZIP code below to compare cheap life insurance rates.

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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.