Frequently Asked Questions
benefits of quitting cannabis

What are the Benefits of Quitting Marijuana?

We will cover the benefits of quitting marijuana if you choose to change your lifestyle, including how it affects your life insurance. The article will also touch on addiction and abuse if that’s your impetus.  Here’s the thing. Regardless of how you choose to live your life, you deserve good health and respect. We’re providing…
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marijuana confidentiality with life insurance

Protected Marijuana Confidentiality with Life Insurance

More than 40% of Americans smoke (or have tried) marijuana. Which makes it the most popular drug in the country after tobacco and alcohol. With such common use, this leads many families to wonder if they have any legal protections for marijuana confidentiality with life insurance or any other type of disclosed health information. Many…
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life insurance with recreational cannabis

How Does Marijuana Affect Life Insurance Rates? (Plus Sample Rates)

This isn’t a cut and dry question. Even marijuana-friendly life insurance companies have different approaches to both medical and recreational use.  ​Because marijuana is still illegal under Federal law, it’s near impossible for researchers to get details on the overall health benefits or detriments. ​Life insurance companies lean conservative in their views of cannabis.  Mostly…
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marijuana use and life insurance myths

11 Mistaken Beliefs About Life Insurance and Marijuana Use

The amount of misinformation floating around the internet about life insurance and marijuana use shocked us. When people call us with insurance questions, they tend to have the same reactions upon discovering baseless worries spread by rumor or old information. People (when they do reach out to us) are afraid their boss will find out,…
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marijuana DUI

How a Marijuana DUI Affects Your Life Insurance Prices

Life insurance companies take any impaired driving charge seriously. Studies on impaired driving suggest that although cannabis affects people differently than alcohol, its effects on driving behavior can be just as detrimental. A marijuana DUI on your record will affect your life insurance rates. The question is, how much? It doesn’t matter whether marijuana is…
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life insurance for marijuana users

Life Insurance for Marijuana Users (No Questions Asked)

Finding life insurance for marijuana users is still a thorny and contentious issue these days. Quite a few marijuana users including those who use for medical purposes still have concerns about their confidentiality. For those who still fear potential negative consequences, we will give alternative life insurance solutions which ask no questions about pot use.…
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term life insurance for cannabis

7 Reasons Term Life insurance is Best for Cannabis

Want to know the top 7 reasons term life insurance is the most affordable option for cannabis? Everyone has at least 1 but probably several reasons to buy life insurance. The most common reason being to protect their loved ones. Life insurance is the best way to provide a financial umbrella to keep your family…
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should you buy term or whole life insurance

Should You Buy Term or Whole Life Insurance (420 Friendly Edition)

Should you buy term or whole life insurance? That is one of the first questions you should answer when looking into cannabis friendly life insurance. The good news is that since there are only about a dozen companies who insure recreational cannabis at reasonable rates, you don’t have the overwhelming 800+ life insurance companies to…
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do life insurance companies test for THC after you die

Will Life Insurance Companies Test for THC After Death?

The short answer is sometimes. For the most part, it’s unlikely a life insurance company will test for THC after death. If the medical examiner performs an autopsy on your body, there will always be a toxicology report. Toxicology reports screen for drugs, including THC. This doesn’t happen to everyone. If you die of natural…
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