Can a marijuana user get life insurance?

Is it possible to get life insurance if you smoke marijuana?

Most life insurance companies would not offer coverage to an applicant that smokes illegal drugs.

However, today there are legal medical marijuana prescriptions for people with a medical condition that qualifies.

Some insurers may provide life insurance coverage for people using a medical marijuana prescription. One way to find out which insurers may offer life insurance for someone who smokes marijuana is to compare term life insurance quotes online and apply for coverage.

When applying for life insurance make sure you answer all questions truthfully on the application to make sure coverage is not denied due to a material misrepresentation.

In addition, there are life insurance plan that offer life insurance with no medical exam required, just a few health questions. You can get a quote, apply online in minutes, and usually find out if you qualify for coverage the same day. Once approved, you may start your life insurance immediately.

NEW! Here’s How to Buy up to $250,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate

Will life insurance exams test for marijuana?

I'm about to get life insurance and they want to do blood work and urinalysis.

I'm an occasional pot smoker and I'm not sure if I should be concerned about that or not.

I know there aren't any legal repercussions but my wife thinks they could deny me coverage and put me on some kind of list so I can't ever get life insurance.

I just want to know if I need to quit smoking pot and put the test off until I'm clean or if it's not a problem.

If you smoke marijuana you'll have to reveal that on the life insurance application, and yes, they'll test for marijuana either through blood work, urinalysis, or hair follicle.

If medical marijuana is legal in your area and you have a legal prescription, the life insurance company may accept you for coverage.

If you are declined due to testing positive for marijuana, it may be listed on a database of life insurance companies who share information on applicants. That means if you apply again for life insurance through another insurer, they may find out you were declined previously due to marijuana.

Another option is buying life insurance with no medical exam required. These plans offer up to $500,000 of life insurance with no physical, no blood test, and no urine test.

If you qualify for a no exam life insurance policy you can even start your life insurance coverage the same day.

However, you should always answer all questions truthfully on the life insurance application.

NEW! Here’s How to Buy up to $500,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.



Disclosure: Compensated Affiliate