Does Life Insurance Test For Pot? 
Usually , most policies require a quick medical exam , which includes a urine sample . And they will test for pot . The good news is that most companies will not decline you coverage . They will just consider you a `` Smoker '' and give you smoker rates . But , currently , I know of 3 companies that offer `` Non-Smoker '' rates to pot smokers . Aviva is the most relaxed about it . And will allow up to a `` Preferred '' non-smoker rating for using 2 times per week or less . Lincoln National is next and will give Standard Non-Smoker ratings to people who smoke 2 times per week or less . MetLife allows for 1 time per week and will offer a Standard nonsmoker rating . Prudential allows for 2 times per month , and offers a Standard nonsmoker rating . Long story short if you smoke Pot , Aviva or Lincoln National will be your best bets . And this list is as of 3/2013 , it could easily change . 