Medical Marijuana

And How It Affects Life Insurance Rates

Medical Marijuana is legal in two-thirds of all states in the United States, and having a medical marijuana prescription is viewed differently than recreational marijuana use, so you may be wondering how medical marijuana affects your life insurance rates.  

The one main difference is that if you are a medical marijuana user, the insurance underwriter is going to want to understand what your condition is that necessitates marijuana use.  It may be a minor condition like appetite or insomnia, or it may treat a more serious medical condition such as the side effects of cancer treatment.  If there's a more serious medical condition, then the underwriter is going to take that into account.  

Another thing to consider is frequency of use.  The marijuana friendly life insurance carriers are OK with occasional use, but if you're a heavy daily marijuana user, you may not get approved.  

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