Would I get denied life insurance if I test positive for marijuana usage?

Whether or not you would be denied life insurance coverage due to testing positive for marijuana usage will depend on a number of factors, including the insurance company's underwriting guidelines, the frequency and amount of your marijuana use, and whether or not you have a medical marijuana prescription. Some insurance companies may view marijuana use as a high-risk behavior and may deny coverage to individuals who test positive for THC, the active ingredient in marijuana. Other companies may be more lenient and may offer coverage to individuals who use marijuana recreationally or medically, but may charge higher premiums or limit coverage amounts. In recent years, some insurance companies have begun to re-evaluate their underwriting guidelines regarding marijuana use, particularly in states where marijuana has been legalized for medical or recreational use. Some companies may take into account the reason for the marijuana use, such as for medical purposes or occasional recreational use, and may not deny coverage or charge higher premiums. If you are concerned about how your marijuana use may impact your ability to obtain life insurance coverage, it's important to disclose this information to the insurance company and be honest about the frequency and amount of your use. Failing to disclose your marijuana use or providing false information could result in a denial of coverage or the cancellation of your policy. Additionally, it's important to note that insurance companies may also consider other factors when evaluating your application for coverage, such as your age, health history, and lifestyle habits. Factors such as a history of smoking, excessive alcohol use, or a pre-existing medical condition could also impact your ability to obtain life insurance coverage or the cost of your premiums.