Group Life Insurance Policy Through Work And THC 
Your group life insurance generally speaking does not require underwriting meaning no lab work is needed . The exception might be if you go over the guaranteed coverage amount . If you do have to get lab work completed , then first would be to admit on the application you smoke marijuana . Insurance companies do not automatically decline you for smoking marijuana but if you do n't admit it , all bets are off . As far as your employer finding out , it is unlikely they will unless they are involved in the process . 