Best Life Insurance for People Who Smoke Marijuana

Life Insurance For Marijuana Smokers
Finding the best life insurance for people who smoke marijuana may not be easy, but there are some marijuana friendly life insurance companies and more companies may liberalize their stand on marijuana use in the near future.
Being the third most popular recreational drug in America after alcohol and tobacco, recreational use of marijuana is now legal in both Colorado and Washington State. I’ve recently read that over 16 million people use pot in any given month. 
Eighteen states currently allow people to smoke medical marijuana.  Based on information from Hank George at, marijuana has been shown to provide significant medicinal benefit in a wide range of disorders, such as:  

• Alzheimer’s disease
• Cancer treatment and prevention
• Chemotherapy-induced nausea/vomiting
• Asthma
• Glaucoma
• Migraine
• Neuropathic pain due to various causes
• Withdrawal from addiction to harmful drugs
• Inflammatory bowel disease
• Tourette Syndrome
• Spasticity

Hank George also has research on a whole list of issues for which I previously thought marijuana would have been a contributing factor in premature death, but that is not the case.  

For example, “cardiovascular mortality was somewhat less in pot users than in non-users, and cancer mortality was significantly lower in those indulging in cannabis.”

Studies have also shown that marijuana smokers who do not also smoke tobacco have no increased risk of either COPD or lung cancer. I found this especially hard to believe, as I recall a high school science teacher of mine telling us that smoking one joint had the same effect on our lungs as smoking a whole pack of filtered cigarettes.


Interesting note about driving accidents and pot use that surprised me: “cigarette smokers have a higher incidence of driving offenses than pot-only users. Testing has demonstrated that the effects of marijuana exert no greater impact on driving skills than minimal alcohol intake.  Recreational marijuana use has been found to be conducive to slower and more cautious driving, as well as less tailgating and passing less frequently.”  

Personally, I do kind of believe that marijuana may be a gateway drug, and I don’t want my kids smoking it even if it becomes legal in my state. Still, of all the crazy drugs out there, it wouldn’t be the end of the world if they did (Amber and Ali, if I ever catch you smoking, you’ll still be in trouble). 

Based on everything I’ve read, I do believe that marijuana is safer than alcohol and cigarettes.  The supposed “evidence” for increased likelihood of premature death due to recreational marijuana use that insurance companies have used in the past is based on incorrect information, I believe.

So what do life insurance companies think about marijuana use right now?

At least one underwriter I know at a highly rated insurance company just told me that recreational use of marijuana less than three times per week can still qualify for their best non-tobacco rate!

This is a big change from the recent past, when most life insurance companies would have offered a Standard or Regular Tobacco rate at best for any marijuana use over the previous 12 months.  Even though there’s no tobacco in marijuana, the old underwriting rules would still place regular pot smokers in a tobacco or smoker rate classification.  

On average, smoker rates are two to three times more expensive than non-smoker rates. Based on all the statistics I’ve seen about marijuana use, it’s not fair that recreational marijuana users pay the same rates as cigarette smokers.


In the past, when I had conversations about marijuana use with any life insurance underwriter, the illegality of it always came up as an issue.  Many underwriters told me that they personally had no issue with it, but their companies guidelines would prevail. The fact that it was illegal almost always came up as an issue in marijuana cases. I couldn’t argue with the fact that smoking it was illegal.

Times are changing, and this is good news for all of you marijuana smokers out there who need life insurance or who already have life insurance but are paying too much.

Just check out the old best pot smoker term rates compared to the new best case marijuana smoker term insurance rates below. These are all monthly rates for $250,000 of term insurance.  These rates assume marijuana is not smoked more than three times per week, health checks out as very good otherwise, and that no cigarettes or other tobacco have been used within the past five years.

               Old Rates                 New Rates
Age 35:     $39                             $12
Age 40:     $55                             $14
Age 45:     $89                             $20
Age 50:     $138                           $29
Age 55:     $195                           $45
Age 60:     $286                           $69
Age 65:     $458                           $117
Age 70:     $742                           $224
Age 75:     $1,000                        $432

As you can see from above, the old rates are significantly more expensive than the new rates.

Because 18 states still allow the use of medical marijuana, so far two states allow the recreational use of marijuana. Based on all of the other information above, I definitely have A LOT of ammunition to negotiate all marijuana life insurance cases now, and I believe more and more insurance companies will start offering better rates to recreational pot smokers.

I can easily get you offers from hundreds of different insurance companies based on your specific marijuana use to narrow down which company may be best for you.   


If you do smoke and need life insurance, or if you’ve been paying too much for your life insurance because of marijuana use, now is the time for you to save money on it.

Click the link above to get an accurate life insurance quote as a marijuana smoker, call me at 1-800-380-3533, or email me at [email protected] to get more information.

Any information you provide to me is only between you and me, and I will not share your name or any identifying information with ANYONE else. The information you provide to me will allow me to get you accurate quotes and choose the best insurance company for you. From there you can decide whether to apply or not. Only at the time you decide to apply will you need to provide your identity to the best insurance company for you.