Cannabis Frequency

When it comes to obtaining life insurance and cannabis consumption, the frequency of usage can have an impact on the rates you’re offered.  Life insurance companies typically classify cannabis users as either recreational or medicinal. Recreational users are those who use cannabis for non-medical purposes, while medicinal users use cannabis to treat a specific medical condition. The frequency of use is an important factor that insurers consider when determining rates for both types of users.

For recreational users, the more frequently you use cannabis, the higher your rates are likely to be. This is because frequent cannabis use can increase the risk of certain health issues, such as respiratory problems, cognitive impairment, and addiction. Additionally, frequent users may be more likely to engage in risky behaviors that could lead to accidents or other health issues.

For medicinal users, the frequency of use may also impact rates, but to a lesser extent. This is because medicinal cannabis use is often prescribed by a doctor and is seen as a legitimate treatment option for certain medical conditions. However, insurers may still consider the frequency of use when determining rates.

Overall, it’s important to be honest about your cannabis use when applying for life insurance, as insurers will likely ask about the frequency and method of consumption.  Insurance carriers are constantly adapting to the changes in cannabis underwriting so low rates are still possible.