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Can You Be Denied Life Insurance for Smoking Weed?

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Illustration for article titled Can You Be Denied Life Insurance for Smoking Weed?

Photo: mikroman6 (Getty Images)

It’s easy to get confused about whether you should disclose cannabis use to a life insurer. Possessing cannabis—a schedule 1 drug—is a federal offense, and yet it’s legal in many states. Will your insurer tattle on you to the government for using it? Will your insurance get denied?

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First off, insurers aren’t looking to put potential customers in jail, so you don’t worry about that. In fact, if you aren’t smoking up every other hour and you don’t have marijuana-related DUIs, getting a life insurance policy as a cannabis user will be easier than you might think, if a bit more expensive.

Don’t lie about cannabis usage 

As part of the life insurance underwriting process, you’re often required to take a medical exam. Along with your medical history, your current health determines a health classification that will affect how much you pay for insurance premiums. It’s tempting to lie, but remember that THC can be detectable in your blood or your urine for days or weeks.

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As well, some companies will rate you more favorably if you disclose your cannabis use but don’t test positive for THC in the exam, so abstaining for at least a month beforehand is a good idea. (You should also avoid the use of CBD oils, as they might produce a positive marijuana result in drug tests).

Moreover the biggest reason you don’t want to lie is that an insurer can access your medical records, prescription history and driving record. It’s easy for them to catch you in a lie at any point in your policy, and as a result, they can raise your premiums, cancel your insurance or even contest your payout after you die. Worse yet, if you are denied life insurance for lying on your application, that information is shared with other insurers through something called the Medical Information Bureau (MIB).

Shopping around 

Companies vary on their policies for cannabis usage based on your frequency of use, ranging from rare (like twice a year) to daily. For some, recreational cannabis smoking of any kind can get you designated a “smoker,” and those policies can be 200% more expensive than nonsmoker rates, according to Policygenius. Others are much more lenient however, and allow for near-daily usage without classifying you as a smoker. Your best bet is to shop around.

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According to QuickQuote, the average life insurance rates for a smoker are $83 per month or $992 per year. They also have a good breakdown of what kinds of policies are available and how they vary.

Other factors can affect your premiums:

  • Cannabis inhaled or ingested? You might get a discount by not smoking.
  • Medicinal use: Your rate might vary depending on the underlying condition.
  • Your age: Some policies allow for recreational use only after a certain age, like 25.
  • Generally, having a cannabis-related DUI on your record is… not good.

The bottom line

Not all life insurers will cover you if you use cannabis, but you can probably find one that does. While factors vary, you’ll always get the best rates if you stay in good health and don’t smoke often.

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Conquer Your Pup’s Dander and Fur With $700 Off a Cobalt or Charcoal Bobsweep PetHair Plus Robot Vacuum

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Best Home DealsBest Home DealsThe best home, kitchen, smart home, and automotive deals from around the web, updated daily.

Bobsweep PetHair Plus Robot Vacuum & Mop (Cobalt) | $200 | Best Buy

Bobsweep PetHair Plus Robot Vacuum & Mop (Charcoal) | $200 | Best Buy

Allergies can be bad enough as the seasons change. Don’t let pet hair and dander add to that by vacuuming it up early and often. That chore is easier said than done— unless you have a robot vacuum to do the work for you. This lovely bright cobalt Bobsweep PetHair Plus robot vacuum and mop, only $200 today at Best Buy seems like an ideal option. That’s a whopping $700 off, by the way.

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You can get the same deal for the charcoal version of the robot vac, too. This model is not only specially made for picking up pet hair, it self docks and charges when it’s finished with the work.

It also comes with a mop attachment, so it can take care of those kitchen floors for you as well. Grab it while it’s still available for this fantastic price!

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Apple will replace AirPods Pro for free with faulty noise cancellation, static or crackling

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Today, exactly one year after Apple first launched the AirPods Pro — and thus the same day the very first AirPods Pro owners will see their one-year warranties expire — Apple has launched a repair program that offers free repairs or replacements for another whole year if your AirPods Pro experience issues with noise cancellation or static.

Specifically, Apple will fix:

Crackling or static sounds that increase in loud environments, with exercise or while talking on the phone

Active Noise Cancellation not working as expected, such as a loss of bass sound, or an increase in background sounds, such as street or airplane noise

Apple says only a “small percentage of AirPods Pro” are affected by the issues, but it apparently wasn’t just an early batch — Apple says affected units were manufactured “before October 2020,” meaning every AirPods Pro ever made might be eligible. That’s quite a recall if so. Apple says it will repair faulty AirPods Pro for two years after you first buy them.

We’ve heard complaints about degraded noise cancellation before, and at least one Verge editor has replaced their AirPods Pro under warranty. It’s nice to hear that Apple isn’t just cutting buyers off as soon as that warranty expires.

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This 55″ 4K TCL Smart TV Hangs on Your Wall for $200

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Best Tech DealsBest Tech DealsThe best tech deals from around the web, updated daily.

TCL 55″ S434 4K Smart TV | $200 | Best Buy

Best Buy has an insane deal going for a brand new 55″ 4K TCL smart TV. It’s the S434, which is pretty baseline for TCL’s lineup, but at just $200, there’s little to complain about. TCL’s panels are plenty sharp and accurate, and with this set, you’ll get HDR10 compliance for enhanced color and brightness in supported games and video content. This model has Android TV onboard for all your app needs, and with an included voice remote, all your favorite content is just a shout away with the help of Google Assistant.

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