Yes — many life insurance companies will still offer non-tobacco rates even if you use marijuana.
What matters most is:
- How often you use it
- How you use it (edibles are viewed better than smoking/vaping)
- Your overall health and driving record
Occasional or even weekly marijuana use often still qualifies for non-tobacco rates. Daily/heavy use can raise the price, but it still usually isn’t classified as “tobacco” unless nicotine is involved.
👉 THC showing up on a test does not automatically make you tobacco. Nicotine does.
Bottom line: marijuana alone doesn’t disqualify you from non-tobacco — company choice and usage pattern are the key.
Bottom-Line – you can qualify for NON-Tobacco rates!
Give us a call to discuss further
