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Does Life Insurance Test For THC?

With marijuana legalization passing in more and more states, the issue of being tested for THC can be a real concern for those applying for life insurance. One of the main steps in the process of applying for life insurance is undergoing a medical exam, which includes taking urine and blood samples. These samples may test for legal and illegal drugs, including THC.

Will Marijuana Use Affect My Life Insurance Coverage?

Life insurance companies take a lot of things into consideration when determining policy premiums, including occupation, height and weight, overall health, and lifestyle. Many insurance companies charge higher premiums for cigarette and marijuana smokers or deny them coverage altogether. In fact, 80 percent of underwriters surveyed by Munich Re said their company factors marijuana use into pricing decisions. 

However, many companies also factor frequency of marijuana use into their decision making. For instance, someone who smokes marijuana a few times a year will likely pay less for their policy than someone who smokes a few times a week.

Be Honest During the Life Insurance Application Process

Tell your insurance agent about your marijuana use and be upfront about how often you consume marijuana, whether for recreational or medical purposes. THC usually stays in your system for a month. But if an insurance company finds out you lied about your use, they can deny you coverage or refuse to pay the death benefit if you pass away unexpectedly.

Even if you live in a state where marijuana is permitted, still inform your insurance agent about your use.

What Else is Tested for On the Medical Exam?

Most life insurance companies like to have a comprehensive understanding of your health and lifestyle before they’ll grant you a policy. In addition to blood and urine samples — which can uncover underlying health problems — your medical examiner will also determine your height and weight, as well as test your pulse and blood pressure. You'll also be asked a series of health questions.

In addition to marijuana, insurance companies may test for other drugs, like nicotine, cocaine, methamphetamine and others.

To discuss life insurance policies available in your area, give a licensed life insurance agent a call at1-855-303-4640.


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Applications for life insurance may be subject to acceptance by insurer. Issuance of the policy may depend upon answers to health questions. Rates and coverage amounts depend upon the carrier selected. Your policy may be subject to underwriting approval. You will receive only the benefit amount in the policy issued.

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