Cookie Use

Drewberry™ uses cookies to offer you the best experience online. By continuing to use our website you agree to the use of cookies. If you would like to know more about cookies and how to manage them please view our privacycookie policy.

Can Cannabis Smokers Get Life Insurance?

I’d like to take out Life Insurance but I’ve smoked cannabis once a week for the past few years. Will this have an impact on if I can get cover or not?

Question asked by Paul Ferris

The Impact of Smoking Cannabis

If you have used or currently use cannabis you may be worried about how this may affect an application for Life Insurance. It can also be a concern discussing this topic with an adviser or insurance company.

If asked about cannabis use, it’s important to be aware that this is entirely confidential and the information is used purely to assess your application, so it’s always best to be completely honest.

For many, it can be surprising to hear that previous cannabis use can often have no effect on your ability to gain life cover, although this really depends on the insurer as some take it more seriously than others. In fact, while many insurers specifically ask about cannabis on their application forms there are a small number which do not.

What the insurers will likely ask you

For those insurers that do ask, if you are a current user of cannabis then further information will likely be required such as frequency of use and quantity.

Insurers may also ask if the usage has lead to any issues such as time off work or illness. Depending on the answers to these questions the insurer will decide whether to offer cover at standard rates, charge an additional premium, or in some more serious cases decline to provide cover entirely.

Seek advice

To make sure you are getting the most competitive policy for your circumstances it best to discuss this with an adviser who can find an insurer who will provide the most favourable terms. Call Drewberry on 02084327333 or email help@drewberry.co.uk.

Drew was incredibly helpful all the way along and very responsive and patient with any questions I had (which were many). He was able to get me a much better deal on my new health insurance than I had been able to get online. A success all round!

Francesc Sale
07/06/2019
Compare Top 10 UK Insurers
Takes approx. 60 seconds

Or call us on 0208 432 7333

Compare Top UK Insurer Quotes Logos
Contact Us
Head Office & Pensions and Investments
Millennium Bridge House
2 Lambeth Hill
London
EC4V 4GG
Personal Insurance & Accounts Payable
Telecom House
125-135 Preston Road
Brighton
BN1 6AF
Drewberry London Office MapDrewberry Brighton Office Map
Our Core Principles
  • 1You Come FirstWe are a client focused business who always aim to put you first.
  • 2We are ExpertsTo provide you with the best advice, we need to know our stuff!
  • 3We are HumanWe are real people with feelings who are here to help you.
  • 4We are ProfessionalProviding a 5-star service requires a professional approach to everything we do.
  • 5We are here to EducateWe don't believe in sales, we are here to educate so you can make informed decisions.