Usually, most life insurance policies require a medical exam, which includes a urine sample. And they will test for marijuana or THC in your system.
However, if you do test positive for pot, most life insurance companies will not decline you for coverage. They will just consider you a "Smoker" and give you smoker rates, which are higher than non-smoker rates for life insurance.
And, as of 2013, there are at least 3 life insurance companies that may offer "Non-Smoker" rates to pot smokers.
Aviva is the most relaxed about it. And will allow up to a "Preferred" non-smoker rating for using marijuana 2 times per week, or less.
Lincoln National is next and will give Standard Non-Smoker ratings for life insurance to people who smoke 2 times per week, or less.
MetLife allows for smoking marijuana up to 1 time per week and will offer a Standard nonsmoker rating for life insurance coverage.
Prudential allows for smoking pot up to 2 times per month, and offers a Standard nonsmoker rating.
If you do smoke Pot, Aviva or Lincoln National may offer the most competitive rates for your life insurance policy. This list is as of 2013, and could change at any time.
Here's how you can learn more and compare free quotes on life insurance for pot smokers
However, if you do test positive for pot, most life insurance companies will not decline you for coverage. They will just consider you a "Smoker" and give you smoker rates, which are higher than non-smoker rates for life insurance.
And, as of 2013, there are at least 3 life insurance companies that may offer "Non-Smoker" rates to pot smokers.
Aviva is the most relaxed about it. And will allow up to a "Preferred" non-smoker rating for using marijuana 2 times per week, or less.
Lincoln National is next and will give Standard Non-Smoker ratings for life insurance to people who smoke 2 times per week, or less.
MetLife allows for smoking marijuana up to 1 time per week and will offer a Standard nonsmoker rating for life insurance coverage.
Prudential allows for smoking pot up to 2 times per month, and offers a Standard nonsmoker rating.
If you do smoke Pot, Aviva or Lincoln National may offer the most competitive rates for your life insurance policy. This list is as of 2013, and could change at any time.
Here's how you can learn more and compare free quotes on life insurance for pot smokers
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