1. Ted Ratliff
    Owner, SeniorCare Financial Services Northeast Ohio,
    Yes, Marijuana is unfortunately considered an illegal drug so you could be denied coverage.  There are some plans you can get that offer guarantee issue with no health or drug questions. Unless the insurance requires a blood or urine, the company would probably never know you use it unless you tell them.  However if you lie on an application and die within two years of the application as a result of a drug related incident and drugs are found in your blood stream, the company can refuse the death benefit.
    Answered on May 6, 2013
  2. Bob VineyardPRO
    Founder, Georgia Medicare Plans, Atlanta,GA
    If you have used marijuana in the past, or are a current user, you should engage the services of a life insurance agent that is a special risk market maker. Almost any agent will tell you they have a guaranteed issue plan or something similar, but agents that specialize in impaired risk can show you more options that are lower in cost.
    Answered on May 6, 2013
  3. Peggy Mace
    COO and Senior Agent, Outlook Life, All 50 States
    There are more and more choices of life insurance for persons who smoke marijuana in a responsible fashion. Most companies will charge smoker rates, but some will rate as good as preferred smoker. Of course, even those companies can deny coverage if there have been recent driving violations due to marijuana use, or if you have had drug treatment and continue to smoke pot. Contact an impaired risk agency to find the most affordable life insurance rates with marijuana usage.
    Answered on February 8, 2014
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