Smoking or consuming marijuana (including edibles) up to 3 times in one week still lets you get rated as a non-smoker in the eyes of an insurance provider.
Once you hit the number 4 in a week, most life insurance companies will charge a rating (a classification that leads to a substantial price increase in your insurance premium). If you are a daily marijuana smoker you’ll have a tough time getting approved for traditionally underwritten life insurance. In such cases, non-medical life insurance providers can be a coverage option, albeit at an even higher premium than fully underwritten policies.