When it comes to life insurance and cannabis, there are a few things to consider. One of the main questions is whether vaping, smoking, or consuming edibles will affect your life insurance policy. Let’s take a closer look at each method of cannabis consumption and its potential impact on life insurance, but as always… be HONEST!
Vaping cannabis involves heating the flower or oil at a high temperature to create a vapor that is inhaled. This method of consumption is generally considered safer than smoking because it produces fewer harmful chemicals. However, there is still a lack of long-term research on the effects of vaping cannabis, so it’s unclear whether it will have any impact on life insurance rates.
Smoking cannabis involves burning the flower or oil and inhaling the smoke. This method of consumption is known to produce harmful chemicals that can damage the lungs and lead to other health problems. Smoking cannabis regularly may increase the risk of lung cancer and other respiratory issues, which could potentially impact life insurance rates.
Edibles involve consuming cannabis-infused food or drink. This method of consumption is often preferred by those who do not wish to inhale smoke or vapor. However, edibles can be difficult to dose accurately, and consuming too much can lead to unwanted side effects. If you have a history of overconsumption or have experienced adverse reactions to edibles, this could potentially impact your life insurance rates.
Overall, it’s important to be honest about your cannabis consumption when applying for life insurance. Your insurer may ask about your frequency and method of consumption, so it’s best to be upfront about your habits. While cannabis consumption may not necessarily disqualify you from obtaining life insurance, it may impact your rates depending on the frequency and method of consumption.