Can I Get Life Insurance If I Smoke Pot?

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   Peggy Mace

   Most of the U.S.

   Yes, you can get life insurance if you smoke pot. If you get a medically underwritten policy, the insurance company will probably ask you to fill out a Drug Questionnaire. If you are an infrequent pot smoker, you will be give tobacco rates, but they can fall in the Standard to Preferred range. If you smoke pot daily, or have had treatment for drug or alcohol use in the past. you would probably be declined for a policy, but may be able to find a No Exam policy.

   Answered on August 8, 2013

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