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.

Many U.S. states have approved medical marijuana, along with a smaller number of states which now allow the recreational use. Despite this change, U.S. Federal law still maintains that cannabis is an illegal substance.

This also true in those states which have approved neither medical nor recreational marijuana.

Many marijuana smokers out there know that you can easily get life insurance. (It’s also affordable with one of these 12 cannabis friendly life insurance companies.) Others still fret that pot smoking will become known to legal authorities, employers, or spouses.

The Fear of Unwelcome Exposure

Because of this fear, many people who smoke weed still refuse to apply for life insurance. They are just not convinced admitting to using pot is safe.

life insurance for pot smokers

Life insurance for marijuana users is both easy and safe if you work with an expert. Neither the government nor your employer can access any of the information on your insurance application or medical exam.

As a result, people lie on life insurance applications. To corroborate that lie, they must either skip the medical exam or stop smoking for 6 – 8 weeks.

Then how do you find the best life insurance for marijuana users? Nobody wants to talk about it.

This is not a problem! There are many different types of life insurance policies and organizations which offer life insurance. They neither ask nor test you for marijuana!

You can buy life insurance without any admission of smoking cannabis. These other brands of life insurance ask no medical questions about cannabis and have no medical exam.

We are going to spotlight these different types of policies so you can buy life insurance and protect your family without anyone having to know you smoke pot.

Life Insurance for Marijuana Users (No Questions Asked)

But first, let’s briefly cover how United States law protects your confidentiality.

Legal Rights of Pot Users Applying for Life Insurance

At no stage of the entire life insurance application process can marijuana use be disclosed to a third party. From the moment someone shares their marijuana use to a life insurance agent, the medical doctor who examines you for a policy, the insurance company underwriters – your privacy rights are 100% protected.

This also includes complete confidentiality for other databases which life insurers access such as the MIB (Medical Information Bureau – they also use encryption methods), and the Rx Prescription database.

Complete confidentiality has legal protection under the HIPAA Privacy Rule.

HIPPA is short The Health Insurance Portability and Accountability Act. This Act is under the U.S. Department of Health and Human Services. Its sole purpose is to protect the confidentiality and privacy of health records and personal health information. It prevents the disclosure of patient medical records to anyone without the patient’s express consent.

life insurance for marijuana

If you don’t trust the government to adhere to its own laws, then there are other options where they don’t ask. They also let you skip the medical exam.

This law is a Federal law and applies to every state and territory in the union.

So you can apply for life insurance and admit to marijuana use without any information getting back to your employer or the government. You can do so without any repercussions. This applies to all states whether medical or recreational marijuana is legal or not.

Still not convinced?

Let’s take a look at other life insurance solutions. You can find the best life insurance for marijuana users which ask you no questions about marijuana use. And, more importantly, these policies don’t require medical exams.

Learn more about your legal rights and all the life insurance options available for marijuana users. Call Marcan Insurance today at (888) 987-8447. Any information you disclose is entirely confidential and protected by law.

Life Insurance for Marijuana Users – No Questions and No Medical Exam Options

We are going to highlight several different life insurance scenarios for marijuana users. This because every person’s situation is different. The following solutions are right for some but maybe less so for others.

We’ll break this down into 4 options:

  1. Guaranteed Issue Life Insurance for Marijuana Use (No exam and no marijuana questions)
  2. Term to 100 Life Insurance for Marijuana Use (No exam and no marijuana questions)
  3. Accidental Death Insurance for Marijuana Use (No exam and no marijuana questions)
  4. No exam Life Insurance for Marijuana Use (No exam and will ask about marijuana use.  They are ok with a “yes” answer to marijuana use)

Guaranteed Issue Life Insurance for Marijuana Use

The following Guaranteed Issue life insurance options do not ask any questions about marijuana use, and they do not require a medical exam.

The policy offered by these insurance organizations is known as “Guaranteed Issue Life Insurance.”

Simply put, everyone who applies qualifies!

It does not matter even if you have been rejected for life insurance in the past. If you have a pulse – you qualify. This also applies to medical marijuana users with serious health conditions. Coverage includes recreational users who still fear disclosure because they smoke weed.

Guaranteed Issue Option #1 for Marijuana Users

All you have to be is from ages 18 – 75 years of age to apply. There are no health questions. These policies also come with a host of other added benefits. This is the best option for younger people who want/need guaranteed issue life insurance.

You can apply for these benefit amounts:

  • $10,000
  • $20,000
  • $30,000
  • $40,000
  • $50,000

Coverage is a 5 year term that you can renew to age 80.

The cost is very reasonable at younger ages (monthly rates shown in the table below). If you are over age 50, you may want to consider the 2 other guaranteed options below. If you are 65 or older, you will definitely want to apply for one of the 2 options below, rather than this one.

Life insurance rate chart for no questions asked option

AM Best rates this life insurance company as B++ which means they are a financially stable company.

420 life insurance discount

Who has ever heard of a life insurance policy that gives you discounts on things like pet care? That’s crazy!

When you enroll with them, your membership will offer you discounts for:

  • Vision Care
  • Dental Care
  • Prescriptions
  • Pet Prescriptions
  • Medical Supplies/Equipment
  • Vitamins and Supplements
  • Alternative Medicine
  • Chiropractic Care

These are just some of the perks because there are even more benefits!

If you want to apply online, then you can enroll now. After applying online, the next step is a short phone call to provide a voice signature for your application.

Guaranteed Issue Option #2: American General Guaranteed Issue Whole Life Insurance (GIWL)

American General guaranteed issue whole life insurance (GIWL)The GIWL plan is a whole life insurance plan. This means you have life insurance coverage for your entire life. Premiums will not change no matter how long you live.

Here’s a quick snapshot of what this policy entails:

  • Issue Ages: 50 – 85 years of age
  • Policy Coverage Amounts: $5,000 – $25,000

Both a “Chronic Illness” and “Terminal Illness” riders come at no extra cost. The chronic illness rider allows you to access a portion of your death benefits before you die. The terminal illness riders lets you access up to 50% of your death benefits.

This policy is a graded benefit. This means there is a two-year waiting period. Should death occur from something other than an accident during the first two years your beneficiaries, the benefit will be equivalent to 110% of the premiums paid. Full benefits are payable after the two-year waiting period. Accidental death is covered from day 1.

Guaranteed Issue Option #3: Gerber Guaranteed Life

gerber guaranteed life insuranceThe Gerber Guaranteed Life plan means that you will not be turned because of your health. There is no medical exam, and no health questions will be asked. Your spouse can also qualify for up to $25,000 as well.

Premiums will never increase. Graded death benefits apply which entail a two-year waiting period. This means if you were to die in the first two years due to something other than an accident, your beneficiaries would receive all premiums paid plus 10% interest.

If death occurs as a result of an accident within the first two years – full benefits are payable.

  • Issue Ages: 50 – 80 years of age
  • Policy Coverage Amounts: $5,000 – $25,000

We have many other similar plans available from multiple life insurers. You can combine policies for a higher death benefit. To learn more about these plans, then call Marcan Insurance today at (888) 987-8447.

Term to 100 Life Insurance for Marijuana Use (No exam and no marijuana questions)

This company has very distinct coverage for marijuana users. It is term life insurance, but the term will cover you up to age 100. They ask seven health questions, but none of the questions are about smoking pot.

Policy Highlights:

  • Issue Ages – 18 – 64
  • Coverage Face Amounts – $10,000 – $50,000
  • Can add coverage for children up to age 23: $4.98/month for $10,000 and $9.97/month for $20,000
  • Policy includes a terminal illness rider or chronic illness rider
  • Policy includes additional benefits such as Teladoc, Prescription savings, Discounted diabetes supplies
  • Simple application we complete with you over the phone

Accidental Death Life Insurance for Marijuana Users

When it comes to finding life insurance for marijuana users, accidental death insurance is another great option. It’s not for everyone though because coverage is more restrictive.

However, it does not require you to answer any medical questions or take a medical exam.

These policies are best for those who feel they might not be approved for a policy or have already been declined.

There are some insurance companies which guarantee approval. They are also very easy to apply for. You can receive a reply in as little as 48 hours. Policies provide between $50,000 to $500,000 in coverage.

How is Accidental Death Coverage Different?

There is one significant difference between accidental death insurance and all other forms of life insurance coverage.

cannabis accidental death insuranceAccidental death covers death by accidents only. They do not cover death by illness or other natural physical causes.

Coverage is not based on your health or age but rather the amount you buy per $1,000 of coverage. Premiums are less than virtually any traditional life insurance policy. Many companies also offer a variety of riders either inclusively or separately for an additional premium.

When it comes to finding the best life insurance for marijuana users, this is another excellent option. Here’s our review of 5 of the top insurers providing accidental death insurance. Give us a call and we can run quotes for you.  Our goal is to save you time and money on your insurance policy.

Accidental Death Insurance Company 1

This company offers a guaranteed issue policy which also asks no medical questions. It can include both spouse and your children. The policy pays full benefits until age 70 and is reduced to 50% afterward. Policy expires at age 80.

Policy Highlights:

  • Issue Ages – 18 – 60
  • Issue Amounts – $50,000 – $250,000

Product Features

At no extra charge, the policy also includes auto safety benefits and travel accident benefits. One of the features of this company is its easy application process. You can receive same day approval.

You can also opt for a variety of additional riders including:

  • Accident Only Disability Income
  • Family Accidental Death Benefit Rider
  • Return of Premium Rider
  • Inflation Rider
  • Waiver of Premium Rider

Accidental Death Insurance Company 2

This company offers accidental death and dismemberment coverage. No medical exam or health questions are required. You can receive approval regardless of your health or occupation. There also is no waiting period for coverage to commence.

Policy Highlights:

  • Issue Ages – 18 – 69
  • Issue Amounts – $50,000 – $250,000

Both your spouse can receive 100% coverage. Children can also be covered for each child up to age 17 up to a maximum of $25,000 coverage.

Accidental Death Insurance Company 3

This company offers a simplified issue policy. You will be asked a few health questions in addition to a handful of lifestyle questions. But, there are no medical requirements although a few exclusions apply. Premiums vary by both age and gender.

Policy Highlights:

  • Issue Ages – 18 – 60 (age last birthday)
  • Issue Amounts – $50,000 – $300,000
  • Policy expires at age 75

Additional Riders Available

For a small extra premium, you also have the option of selecting from a choice of 3 riders including:

  • Disability Income Rider
  • Waiver of Premium Rider
  • Return of Premium Rider (ROP)

Accidental Death Insurance Company 4

This company offers a guaranteed issue policy that pays benefits in the event of death within 90 days of an incident. There are no medical questions. You can also receive approval within 24 hours.

The policy pays full benefits until age 70. After age 70, the benefits are reduced by 50%. Then the policy expires at age 80.

Auto Safety and Travel Accident benefits come with the policy at no extra cost.

Policy Highlights:

  • Issue Ages – 20 – 59 (age last birthday)
  • Issue Amounts – $50,000 – $250,000

Additional riders are available for an extra premium including the following:

  • Return of Premium
  • Inflation Rider
  • Family Accidental Death Benefit Rider

Additional Benefits:

  • Spouse and Dependent Children Benefit
  • Spouse Double Tragedy
  • College Fund Benefit

Accidental Death Insurance Company 5

You can receive guaranteed coverage through this simplified issue accidental death insurance policy. No one gets turned down. There are no medical questions. Plus, there isn’t a medical exam. You also don’t have to provide any information about your occupation.

Policy Highlights:

  • Issue Ages – 18 – 70 (age last birthday)
  • Issue Amounts – $50,000 – $500,000

Additional Features:

  • 24 hour all accident coverage
  • Spouse coverage is 100% of insured coverage while coverage for children is 20% of insured coverage.
  • Common carrier benefits will pay two times the accidental death benefit
  • Auto-Pedestrian benefits pay an additional 25% of accidental death benefits
  • Can opt for a Return of Premium rider for an additional premium

Family Coverage Options:

  • Spouse will be eligible for coverage if age 80 or younger
  • Can extend coverage to unmarried dependent children under age 19 or until age 23. If children are full-time students at an accredited college or university, then state specials will apply.

These are just a few of the many life insurers which offer accidental insurance. We also have many additional companies which might be more suitable. If you have any questions or wish to apply right away, then call Marcan Insurance today at (888) 987-8447.

5 Best No Medical Exam Life Insurance Companies for Recreational Cannabis

no exam life insurance cannabis

Skip right over the medical exam with one of these no exam companies. You’ll pay a little more, but there won’t be a drug test.

There are some life insurers which offer no-medical exam options. They will ask about marijuana use, but are ok with a “yes” answer. They will charge smoker rates for marijuana use.

*We have a handful of companies that do require an exam, but will offer a nonsmoker rate for marijuana use. We place 100’s of clients with these polices and assure you that they are perfectly fine with marijuana use. Not sure if you want to take an exam?  Give us a call and we will walk you through the options.

To see quotes right now for all companies, use the INSTANT QUOTES form on this page.

We will provide a brief description of each company and what they offer. If you would like to learn more about the no-medical exam options then call Marcan Insurance today at (888) 987-8447.

Next is a brief breakdown of top 5 best companies for no medical exam life insurance.

No-Medical Life Insurance Company 1

This is an A+ rated nationwide life insurance provider. Their product is a no medical exam “Term Life Insurance.” The premiums they charge are lower than many companies which require a medical exam.

Here are the highlights:

  • Application Ages – Ages 18 – 60
  • Coverage Face Amounts – $100,000 – $500,000
  • Term Periods – 10, 15, 20 25, and 30 years
  • Risk Classes – All Underwriting Classes
  • Their general guidelines for marijuana use:
    • 2-8x/month is standard tobacco rates
    • 9-16x/month
      • Age 26+ = Table B
      • Age 19-25 = Table C
    • More than 4x per week = Decline

We suggest you call us for complete details. Then we can start the application process with a 5-minute phone call.

No-Medical Life Insurance Company 2

This company 3 has different options in providing life insurance for marijuana users. They offer the following types:

No Exam Term Life Insurance

Policy Highlights:

  • Issue Ages – 18 – 65 (20-year term Tobacco limited to age 55)
  • Coverage Face Amounts – $50,000 – $500,000
  • Term Periods – 10, 15, 20
  • Risk Classes – Preferred & Standard Non-Tobacco and Tobacco

No Exam Guaranteed Universal Life

Policy Highlights:

  • Issue Ages – 18 – 65
  • Coverage Face Amounts – $25,000 – $400,000
  • Risk Classes – Preferred & Standard Non-Tobacco and Tobacco, Rated Non-Tobacco

No Exam Whole Life

Policy Highlights:

  • Issue Ages – 18 – 65
  • Coverage Face Amounts – $25,000 – $250,000
  • Risk Classes – Preferred & Standard Non-Tobacco and Tobacco, Rated Non-Tobacco

Marijuana Guidelines:

This company will offer Standard tobacco rates for marijuana use up to 3x/month. They will decline use of 4x/month or more.

If you have a medical marijuana card, they will require an exam and approval will be based upon the condition the marijuana is treating.

No-Medical Life Insurance Company 3

This company is unique. They offer term insurance and have four separate riders included. These riders allow you to take a portion of your death benefits for the following:

  • Chronic Illness – Unable to perform 2 out of 6 activities of daily living or a severe cognitive impairment
  • Critical Illness – heart attack, stroke, cancer, kidney failure, major organ transplant, ALS
  • Terminal Illness – diagnosed with a life expectancy of less than a year
  • Unemployment – waives premium for a period if you become unemployed

You can opt for an Accidental Death Rider for an additional premium. Should you die due to a covered accident, your beneficiaries receive an additional lump-sum benefit.

Policy Highlights:

Term Periods and Issue Ages (last birthday):

  • 10 year: Ages 18 – 80
  • 15 year: Ages 18 – 70
  • 20 year: Ages 18 – 65
  • 30 year: Ages 18 – 55 (non-tobacco)
  • 30 year: Ages 18 – 50 (tobacco)

Face Amounts by Age:

  • 18 – 50 years old ($25,000 – $500,000 Coverage)
  • 51 – 60 years old ($25,000 – $400,000 Coverage)
  • 61 – 70 years old ($25,000 – $300,000 Coverage)
  • 71 – 80 years old ($25,000 – $150,000 Coverage)

They are very liberal when it comes to a wide variety of health conditions compared to similar plans. This plan is an excellent option for non-fatal health conditions. If you are looking for term insurance with some additional benefits, this will be a great option.

Marijuana Guidelines:  Tobacco Rates, Frequency does not matter (Any companies could have an issue with use of 5x/week or more…high frequency is a gray area)

No-Medical Life Insurance Company 4

This company offers No Exam Term and Guaranteed Universal Life Insurance up to $250,000.

Marijuana Use Guidelines:

3-4x/month is Standard Tobacco, Drug Questionnaire will need to be completed

No-Medical Life Insurance Company 5

This company has very competitive smoker rates.

Term Insurance is no exam up to $350,000 for ages 51-65.

Term Insurance is no exam up to $500,000 for ages up to age 50.

Built-in Accelerated Benefits Rider allows you to receive advance payment of the death benefit if you’re diagnosed with a terminal illness or require permanent nursing home care.

Marijuana Use Guidelines:

  • 1-3x/month = Standard Tobacco
  • 4-6x/month = Table 2 Tobacco
  • 7-10x/month = Table 4 Tobacco

These are just a brief sample of some of the best life insurance for marijuana users for no-medical exam coverage.

We have many other no-medical exam solutions which can cover just about any situation. Call Marcan Insurance today at (888) 987-8447 to learn more about no medical exam life insurance for cannabis smokers.

Call Us for No Medical Exam Life Insurance for Marijuana Users

Marcan Insurance is an independent life insurance agency. This means that we work for you instead of the life insurance companies. Our agents have access to over 70 of the best-rated life insurance in America.

If you smoke cannabis and worry about confidentiality when applying for life insurance, then we have access to numerous companies and plans. Many of these plans ask no questions about marijuana and do not require a medical exam.

Any questions you have in addition to any information you provide about marijuana use is completely confidential.

We can save you time as well as money because we comparison shop rates and plans for you. Here are a few tips on how to get super low price life insurance with marijuana use.

If you have any questions about life insurance for marijuana users, then call Marcan Insurance today at 888-987-8447. All calls are 100% confidential, and there is never any pressure to buy.