Marijuana Use


A Guide to how our Carriers underwrite Life Insurance for Cannabis users

With a growing trend toward the legalization of Marijuana use for medicinal and recreational purposes,

…we are seeing more cases submitted for applicants who willingly admit to its use. The good news is that many of these cases can be underwritten standard or above at non-tobacco rates.


The critical factors are:

  • Admission to marijuana use on the application

  • Method of consumption

  • Amount consumed

  • Age of applicant

  • Frequency of use

Underwriting guidelines vary from carrier to carrier.


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