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
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Answered by James Rivers

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, some insurers specifically ask about cannabis on their application forms whereas a small number 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.

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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