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Best life insurance companies for marijuana users

Marijuana use is a grey area for life insurance companies. That's why it's important to choose one that will accommodate you and offer the best rates.

With marijuana legalization efforts sweeping the country, you might presume that science has won out and people have begun to accept the fact that you can smoke marijuana recreationally without ruining your life. But because federal regulations make it difficult to study the medical effects of marijuana, it’s difficult for anyone to say how long-term recreational marijuana use affects your health. That’s why life insurance companies can be so cautious about marijuana use – both recreational and medicinal.

If you were worried about this, you’re not alone: marijuana is the world’s third most popular recreational drug (after alcohol and tobacco) and America’s most popular illegal drug. According to a 2015 Gallup poll, 44% of adult Americans have tried marijuana.

Life insurance companies consider marijuana use in a number of different ways; while some classify users in the same class as tobacco smokers, others take frequency of use and medicinal purposes into account. Use the table below to find the best life insurance company for your situation.

Do life insurance companies test for marijuana?

Let’s start with the quick answer: the life insurance drug test. will test your urine and sometimes your blood, and that drug test will reveal marijuana usage.

In general, life insurance companies are pretty conservative. They have to take a very holistic look at a potential customer’s life and decide if there’s anything that makes an applicant risky to insure. During the underwriting process, you’ll be assigned a health classification based on your health, hobbies, and family history. The worse the rating, the higher the premiums.

Life insurance companies usually require shoppers to undergo a medical exam, which also means a blood and urine test. THC shows up in a blood test for anywhere between 3 and 14 days after marijuana use, depending on how frequently the user partakes. Marijuana is detectable in urine for up to a month, again depending on frequency of use.

A lot of times, marijuana is lumped in with cigarettes. Federal restrictions on studying marijuana use make it really hard for researchers to judge just how risky marijuana is. Until scientists can show without a doubt that marijuana smoking is healthier than tobacco smoking, expect this policy to stay the same.

Just like tobacco smoking, the less you smoke, the better your health classification will be and the lower your premiums will be. It’s important to remember that companies that offer non-tobacco rates will not extend those rates to people who use tobacco in addition to marijuana; use tobacco, you’ll get tobacco rates.

Life insurance & medicinal marijuana use

Most insurers will consider medical marijuana users upon review of their medical records, but there is a chance they will be rated as a smoker.

But be careful: Medical marijuana is intended to help treat severe symptoms, and if a condition isn’t considered serious by the insurer, you’ll be treated like a recreational user and get a worse rating. But if the condition is considered serious, that might present its own problem (if, for example, you have cancer or sever arthritis). The health issue itself may be a present a more severe penalty than the marijuana.

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The best life insurance companies for marijuana users

Life insurance carrierMarijuana policy
North AmericanNon-tobacco rates apply for recreational marijuana users 21 years of age or older.
Lincoln NationalPreferred Plus (Non-Tobacco) rates if you smoke marijuana once per month or less in social situations. Preferred (Non-Tobacco) rates if you smoke up to two times per week in social situations.
Minnesota LifePreferred (Non-Tobacco) rates if you smoke marijuana 24 times or less per year.
PrudentialPlus (Non-Tobacco) ratings available to users who smoke marijuana up to three times weekly. Must admit to using marijuana during application process. Positive THC in urine does not affect this rating.
MetLifeStandard (Non-Tobacco) rating for marijuana use up to four times per week. Opportunity to receive Preferred, Elite, and Elite Plus (all Non-Tobacco) ratings depending on signs of alcohol abuse or anxiety issues.
United of OmahaStandard (Non-Smoker) rates available for marijuana users who smoke three times or less per month.
AIGStandard (Non-Tobacco) rates if you use marijuana no more than two times per month. Prescription must be verified if you smoke for medical reasons.
TransamericaStandard (Non-Tobacco) rating if you smoke marijuana up to 12 times per year.
Global AtlanticDetermined based on individual consideration for those 26 and older.
SBLINon-tobacco ratings apply for very rare marijuana use and with full admission.
Legal & General AmericaStandard (Tobacco) rates if you smoke recreationally and you have no criminal history or history of drug abuse.
Protective LifeTobacco rates apply for all recreational marijuana users.
John HancockConsiders marijuana drug use—unlikely to give competitive rates.

AIG

  • Best outcome: Standard (Non-Tobacco) rates if you use marijuana no more than two times per month.
  • Worst outcome: If you smoke marijuana more than two times per month, the best rating you can get is Standard (Tobacco). Your frequency of use will be looked at individually, however, and it’s possible that you will get a lower rating or declined.
  • Medicinal outcome: If you smoke marijuana for medicinal purposes, your prescription will need to be verified and you will be rated based on the underlying condition.

Global Atlantic

  • Best outcome: If you’re 26 or older, your final rating will be determined based on individual consideration.
  • Worst outcome: If you’re 25 or younger, you’ll be automatically declined if you smoke marijuana in any capacity.
  • Medicinal outcome: If you’re 26 or older, your rating will depending on the underlying condition.

John Hancock

  • Best outcome: Using marijuana is considered drug use, and you’re unlikely to get competitive rates.

Legal & General America

  • Best outcome: Standard (Tobacco) rates if you smoke marijuana recreational and you have no criminal history or history of drug abuse.
  • Medicinal outcome: Standard (Tobacco) rates apply, and your rating is based on your underlying condition.

Lincoln National

  • Best outcome: Preferred Plus (Non-Tobacco) rates if you smoke marijuana once per month or less in social situations. Preferred (Non-Tobacco) rates if you smoke up to two times per week in social situations.
  • Worst outcome: If you smoke marijuana more than two times per week, or exhibit signs of alcohol abuse, other drug use, or any psychiatric conditions, it may be difficult to get competitive rates.
  • Medicinal outcome: Your rating will be based on the underlying medical condition.

Brighthouse (via MetLife)

  • Best outcome: If you smoke marijuana up to four times per week and show no sign of social or occupational impairment, you will receive at least a Standard (Non-Tobacco) rating, with the opportunity to receive Preferred, Elite, and Elite Plus (all Non-Tobacco) ratings depending on whether or not you exhibit any signs of alcohol abuse or anxiety issues.
  • Worst outcome: If you smoke five times per week or more, it is considered heavy use and you are unlikely to get competitive rates. Additionally, while Brighthouse does not screen for marijuana in their urine tests, if they find a positive result for marijuana in a urine test in your medical records or another company’s medical tests, they will consider it heavy use and you are unlikely to get competitive rates.
  • Medicinal outcome: You may be able to get Standard or Preferred (Non-Tobacco) depending on the underlying medical condition and frequency of use.

Minnesota Life

  • Best outcome: If you smoke marijuana 24 times or less per year, you may be able to receive Preferred (Non-Tobacco) rates.
  • Worst outcome: If you smoke marijuana 25 times or more per year, you’ll be rated as a tobacco user and obtain Standard (Tobacco) rates.
  • Medicinal outcome: Your rating is based on the underlying condition.

North American

  • Best outcome: Non-tobacco rates apply for recreational marijuana users 21 years of age or older. Cases are looked at on an individual basis.
  • Worst outcome: Tobacco rates or declined if you’re a heavy marijuana user, or if other drugs are used.
  • Medicinal outcome: No guidelines.

Protective Life

  • Best outcome: Tobacco rates apply for all recreational marijuana users.
  • Medicinal outcome: If marijuana usage is via inhalation, tobacco rates apply. If it’s non-inhaled, Standard (Non-Tobacco) is your best available option.

Prudential

  • Best outcome: Plus (Non-Tobacco) ratings available to users who smoke marijuana up to three times per week. Must admit to using marijuana during application process. Positive THC in urine does not affect this rating.
  • Worst outcome: Declined application if you smoke more than seven times per week. Declined application if you do not admit to marijuana usage on your application and they find THC in your urine.
  • Medicinal outcome: If prescribed by a physician, you will be rated based on the underlying condition.

SBLI

  • Best outcome: Non-tobacco ratings apply for very rare marijuana use and with full admission.
  • Worst outcome: Tobacco ratings apply based on your marijuana usage, or you may be declined for heavy usage.
  • Medicinal outcome: Rated based on the underlying condition.

Symetra

  • Best outcome: Tobacco ratings based on your marijuana usage, with no criminal or drug abuse history. Must admit to using marijuana on application.
  • Medicinal outcome: Tobacco ratings will be based on your usage.

Transamerica

  • Best outcome: Standard (Non-Tobacco) rating if you smoke marijuana up to 12 times per year.
  • Worst outcome: Standard (Tobacco) or declined application depending on frequency of use.
  • Medicinal outcome: Prescription required. Standard (Non-Tobacco) rating available if you smoke marijuana up to 12 times per year, tobacco ratings if 13 or more.

United of Omaha

  • Best outcome: Standard (Non-Smoker) rates available for marijuana users who smoke three times or less per month.
  • Medicinal outcome: Rates are based on your underlying condition, but typically are Tobacco ratings.

Don’t lie to your insurance company about drug use

This goes for marijuana users and non-marijuana users alike. If they find out you’ve lied to them and they reject you, you won’t just be rejected from that company - you’ll be rejected from all of them.

If a life insurance company finds out you’ve lied to them, they will report you to the Medical Information Bureau, or MIB. Think of the MIB kind of like your credit report: you can’t just default on a credit card and then go and sign up for another credit card without getting dinged for it. Same goes for insurance: you can’t misrepresent yourself at one insurance company and expect that the other companies won’t find out about it.

If you do sneak by and get accepted, the carrier may find out afterward and can cancel your policy during the contestability period, leaving you and your family unprotected.

There’s no simple guideline for how life insurance companies see marijuana users. Each life insurance company has different standards, with some being more lenient and others rejecting all drug users outright. How a life insurer will rate you also depends on the frequency of use. Smoke weed every day? You have a worse chance of getting a good rate than someone who only smokes once a week or once a month.

Disclaimer: Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.

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