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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Marijuana Use

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

Important