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Cannabis and life insurance

If you currently smoke cannabis, or have smoked in the past, you might think life insurance providers will simply refuse to cover you.

It might surprise you that certain insurers will have no issue with cannabis use and will be able to offer you the cover you need to protect your home and family.

Some insurers will take drug use more seriously than others though. It will be key for you to speak to an insurance advisor who knows the best insurance companies to approach, to save you wasting any time on applications that are likely to be declined.

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Many insurance providers will view drug use and illegal substances very seriously, particularly Class A drugs such as cocaine or heroin. Cannabis will generally be viewed as less serious though, and so it should be easier to get cover compared to if you frequently used cocaine for example.

In fact, cannabis use in the UK has become more and more normalised with many people now using cannabidiol (CBD oil) very often.

Life insurance is the #1 way to protect your family and your home. Do not let cannabis use (present or in the past) put you off from applying for the cover you need.

You may be surprised to find you can get cover at standard terms and for very reasonable prices, even if you have smoked cannabis before.

WILL LIFE INSURANCE COVER CANNABIS USE?

YES – but not all insurers will choose to offer cover to people who smoke cannabis or have smoked in the past.

We understand that you may be hesitant to disclose cannabis use when applying for life insurance. It is important to remember that any medical information you provide will be kept private and confidential and it can still be possible for you to get cover.

You also need to remember that you must tell the insurance provider all the information they need about your health and lifestyle when completing life insurance application forms. Missing out any relevant details (such as cannabis use) could affect your policy when it comes time to claim – your policy may even be made invalid.

DOES LIFE INSURANCE PAY OUT FOR CANNABIS USERS?

YES – your life insurance policy should still pay out, even if you have used cannabis in the past.

The only reason your loved ones would not be able to receive a claim on your cover, is if you had not disclosed your drug use when applying and this was found out later on.

This makes it especially important to be as honest as you can when applying for your cover. The last thing you would want is for your family to struggle to access the much-needed financial support offered by your policy pay out – or even be denied it completely.

YES – it can be possible to get life insurance for cannabis users. It is just key to make sure you are applying to the right insurance provider.

Some providers will ask about drug use specifically during the application process and some will be less likely to approve cover for drug users. There are however, some providers who will still approve cover and even some who don’t ask anything about drug use at all.

CAN I GET CRITICAL ILLNESS COVER IF I SMOKE CANNABIS?

YES – you may still be able to get critical illness cover, provided you speak to the right insurance companies.

Depending on the insurance provider, they may place exclusions on your cover meaning you can’t claim for any medical conditions linked to drug use but can claim for a variety of other things.

Critical illness cover can be an extremely useful policy to have in place, paying out to you if you were diagnosed with a serious illness. This money can then be used to help support yourself and your family during a difficult time.

Critical illness insurance will pay out for various illnesses and conditions including:

HOW MUCH DOES CANNABIS LIFE INSURANCE COST?

The cost of any life insurance policy will be affected by several factors which are:

  • Your age when you apply
  • Your height and weight
  • If you have any medical conditions
  • Your family medical history
  • The amount of cover you need (£s)
  • The type of life insurance policy you want (level term life insurance, decreasing life insurance, whole of life etc.)

If you want to save money on your policy, your best option is always to compare the life insurance quotes available across multiple providers.

Your options for life cover can be more limited if you have used drugs, so it can be worth speaking to an experienced insurance advisor for help and support.

Consistent long term use of cannabis (consuming marijuana) can sometimes lead to side effects and conditions affecting your general health and well-being.

Using cannabis can be linked to increased risk of diagnosis for several medical conditions (primarily mental health conditions) including:

Is cannabis safe for smoking?Smoking cannabis can lead to various medical conditions that affect your health such as:

Insomnia
Mental health problems e.g. anxiety, depression
Lung damage
Lung cancer
What is the prevalence of cannabis in the UK?According to the Office for National Statistics, cannabis has been the most used drug in England and Wales since 1995.
Can I get life insurance if I use cannabis?YES – It is still possible to get life insurance if you use cannabis. It will be helpful to speak to an expert though, so you don’t waste time applying to insurers likely to decline your application.

If you need help finding the right cover to safeguard your family’s future our insurance EXPERTS are here to help.

We can offer FREE, FRIENDLY advice about the best policies and providers for your individual needs and situation. Even if you have previously been declined life cover due to recreational drug use, this doesn’t mean life cover is out of reach or will need to be at much higher rates.

We can point you in the direction of the right providers who are most likely to approve your application, to save you the time and hassle of multiple applications.

RESOURCES

NHS Inform – Cannabis

Office for National Statistics – Drug misuse in England and Wales (year ending June 2022)

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