Life Insurance and Marijuana Use

Does the use of Marijuana make me ineligible for life insurance?

If you use marijuana, you may be a little concerned about taking the required exam to get term life insurance fearing that if marijuana use is detected, you may be inelgible for coverage.  Fear not.  Marijuana use, by itself is not something that will make you ineligible, but it is something that is tested for.  Of course, the results of the test may come back negative, but the questionaire will probably also ask whether you have used any illegal drugs in the past five years.  If the answer is yes, again, you should be able to qualify for life insurance.  If marijuana shows up in your blood test, the chances that you will be able to qualify for the most desirable rating class are somewhat diminished, and if they show up not all at (but you answer "yes" to the question about marijuana use) your chances are diminished somewhat .

Will I get a smoker's rate if I use or have used marijuana?

Each life insurance company follows different guidelines, but generally, you will not be charged smoker's rates for life insurance if you have used or are currently using marijuana. 

If my life insurance blood tests positive for marijuana use, will this information be reported to law enforcement or the government in any way?

No.  By law, your medical records are protected.  The report will go to the MIB, but you give your consent to this when you fill out the life insurance application.  The MIB stands for Medical Information Bureau, and it is a non-governmental agency which provides services to health and life insurance companies across the U.S.  The information submitted to the MIB is not accessible to the government.

Is there any way to get life insurance without taking a blood test?

Yes!  There is something called No-Exam life insurance which does not require an exam of any kind.