Life insurance for marijuana users. When marijuana was legalized across Canada, insurers had to adjust the way they see risk. Every company treats marijuana users differently. This is good news and leaves cannabis users with a variety of options, including access to non-smoking rates. The guiding factor for insurers is how often their customer uses cannabis. Some companies do not consider you higher risk unless you use marijuana upwards of four times a week. Others may classify twice weekly consumers as frequent users. While frequency varies from one company to another, occasional marijuana users are never considered higher risk. So, whether you use marijuana daily for recreation, medication, or just while spending time with friends, the perfect life insurance plan is waiting for you.