Can I Be Denied Life Insurance For Smoking Pot? 
Yes , indeed . Here is a sure fire way to get denied life insurance for smoking pot : Smoke it . Dont disclose this on your application . Then test positive on your insurance exam for marijuana . You will notice that the key to your downfall here is not disclosing it on your application . Trying to pull a fast one on the underwriter is a great way to get denied . And by the way : dont think about not disclosing it on your application , and then waiting a long time so it wont show up in your lab specimen . Thats insurance fraud . Not a good way to start a relationship with a life insurance carrier . Now you are going to ask , What if I do disclose it ? Will I get accepted ? Not only might you get accepted , but if you apply with the right company , you could get approved at preferred non-smoker rates ! How do you like that ? It all depends on the amount and frequency used . And you have to apply with a company who has very lenient underwriting guidelines for pot smokers . Some do ; a lot dont . But there is more to the story here . If you smoke cigarettes as well as pot , you will end up with a smoker rating . Dont forget that . Another item : many people smoke marijuana as a form of self-medication . They have trouble sleeping , so they smoke pot . They feel anxious , so they smoke pot . They feel a little depressed , so they smoke pot . If you have a history of dealing with these issues , then the underwriter will look a bit more closely at your marijuana use . If it appears that you do have medical concerns that are not being addressed adequately with medical treatment , he may not be confident that your pot smoking is purely recreational . That may affect his willingness to make an offer , and if he does so , at a low rate . By the way : I have helped people get policies who intake marijuana through a vaporizer , as opposed to smoking it . That can add an additional complication to underwriting . Some underwriters feel that is a more intense form of ingestion and has a more severe impact on your body . Something else for you to think about : any brushes with the law in relation to your marijuana use must be disclosed on your application . Remember that your legal record is part and parcel of the underwriting process . Lots to think about here , Makes you want to light up , doesnt it ? 