Burial Insurance for Marijuana and Illegal Drug Users

In the past, most life insurance companies often denied burial insurance for marijuana and illegal drug users. With an increasing number of states in the U.S. legalizing marijuana or cannabis for medical use, the insurance industry has been lenient on marijuana and CBD oil use over the past decade.

Life insurance is available for marijuana users with or without a prescription. If you’re a recreational marijuana user, there are plans available where you don’t have to disclose your usage. Policies are now available even if you live in a state that has yet to legalize marijuana for medicinal or recreational use.

If you’re a recovering addict, qualifying for final expense insurance depends on a few factors. Read on to know how you can purchase burial insurance for marijuana and illegal drug users.

FOR EASIER NAVIGATION:


WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF MARIJUANA AND ILLEGAL DRUG USE?

RECREATIONAL MARIJUANA USE

If you are a current marijuana user using it recreationally, meaning once or twice a year, you may qualify for level death benefit at a non-tobacco rate. You will be covered from the first day and your beneficiary will receive 100% of your death benefit when you pass away.

Ironically, if you’re using marijuana with a prescription to treat a medical condition such as chronic pain and a variety of other diseases, you will be charged tobacco rates.

Best Option: Level death benefit plan with first-day coverage


MEDICAL MARIJUANA USE

Your burial insurance eligibility, if you are using medical marijuana, will depend on the medical condition being treated with marijuana.

Medical marijuana may be used for common illness like high blood pressure, high cholesterol, or obesity

Best Option: Level death benefit plan with first-day coverage


Medical marijuana use for chronic and terminal illness

If you are using medical marijuana to treat chronic and terminal illness, your best insurance option is a guaranteed issue burial insurance.

This plan is a little bit more expensive than the level death benefit, it has a maximum of $25,000 death benefit, and it also has a two-year waiting period.

The plan does not go into effect immediately like level death benefit. You need to live for two years before your beneficiary will receive your full death benefit if you pass away from the natural cause.

If you die during the two-year waiting period, your beneficiary will only receive the full refund of all the premiums you paid plus interest which is usually 10%.

Best Option: Guaranteed issue burial insurance


ILLEGAL DRUG USE

Substance abuse can cause premature death or increased mortality risk. This is the reason why insurance carriers require applicants to be clean for a minimum of two years to qualify for burial life insurance with the first-day coverage.

Illegal drugs that carry the highest risk of addiction:

  • Marijuana
  • Ecstasy
  • Benzodiazepines
  • Methadone
  • Amphetamines
  • Cocaine
  • Bath salts
  • Methamphetamine
  • Heroin
  • Crack cocaine

SOBRIETY FOR 2 YEARS AND LONGER

Most life insurance companies are strict on insuring people who have a history of drug abuse unless they have remained clean and sober for a minimum of two years.

If you’ve been clear for 2 years or longer, you will qualify for the best plan with the lowest rate.

It is important to remember that whether or not you may qualify for a level death benefit is completely up to the individual company. Every life insurance carrier has a different requirement than others. It is best to seek professional advice from an independent life insurance agency like Funeral Funds about your specific case.

Best Option: Level death benefit plan with first-day coverage


ILLEGAL DRUG ABUSE OR TREATMENT WITHIN THE LAST 2 YEARS

If you’ve been diagnosed, received treatment, or hospitalized or recommended for counseling or treatment within the last 2 years, you will qualify for a first-day benefit plan.

You will be covered for the first day and your death benefit will be phased in over time.

Best Option: First-day benefit plan


WHAT TYPES OF BURIAL INSURANCE SHOULD I AVOID?

PLANS TO AVOIDWHY?
Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $30,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate


WHAT TYPE OF BURIAL INSURANCE IS BEST?

FUNERAL FUNDS PLAN BENEFITSINCLUDED
1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES


IF I HAVE A MARIJUANA AND ILLEGAL DRUG USE HISTORY, DO I NEED A MEDICAL EXAM TO QUALIFY FOR BURIAL INSURANCE?

You are NOT required to take a medical exam to qualify for burial insurance for marijuana and illegal drug users.

When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and you don’t need to provide medical records or blood and urine samples.

You’ll get the official approval from the insurance company often within minutes!


BURIAL INSURANCE UNDERWRITING IF YOU HAVE A MARIJUANA AND ILLEGAL DRUG USE HISTORY

Almost all life insurance companies with underwriting ask about marijuana and illegal drug use in their health questionnaire.

They are going to ask you about what kind of medications you are presently taking and order a prescription database check.

They do this to learn more about what drugs you are taking to see if they can identify any red flags that may indicate whether or not you are abusing your medications.

For example, some insurance companies may ask about drug use this way:

  • Within the last 2 years have you been treated for, been advised by a medical professional to have treatment for, or excessively used, alcohol or any drugs of abuse?
  • During the past 24 months have you been advised to have treatment or counseling for alcohol or drug abuse?
  • Within the past 2 years have you had, or been diagnosed with, or received or been advised to receive treatment for medication for alcohol or drug abuse, or have used illegal drugs?

When we ask about marijuana use, do not lie. Be honest with your agent about your past or current drug use, including the frequency and the amount you take.

Lying on an insurance application is fraud, and you run the risk of losing your benefits; just tell the truth on your application.

When you apply for a life insurance policy, don’t worry about your marijuana usage to be used against you by law enforcement agents because your rights are totally protected under HIPPA laws (Health Insurance Portability and Accountability Act 1996).

HIPPA guarantees the “privacy of individually identifiable health information.” This means that all the information that you disclose on your life insurance application is strictly private and confidential.

We need to know as much information about your drug use so we can place you with the right insurance carrier that will look at your case favorably and offer you the best-priced policy.

There are three common methods burial insurance companies use to learn about your potential illegal drug use in their underwriting process:

  1. Insurance application – Every burial insurance company with underwriting (health questions) will ask about illegal drugs or if you have a history of alcohol or drug abuse.
  2. Prescription Database Check – Insurance carriers will automatically order a prescription database check which will provide information about any prescription medications you are taking and how many times those drugs have been filled over the years.
  3. Medical Information Bureau (MIB) Reports – MIB is shared among insurance companies that provide previous life insurance application results to other insurance carriers to review. If you applied for a life insurance policy in the last 6 months and were denied due to illegal drug use, this information will be available to any company should you decide to apply in the future.


HOW MUCH INSURANCE DO I NEED IF HAVE A MARIJUANA AND ILLEGAL DRUG USE HISTORY?

The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.

The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.

Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.

AVERAGE FUNERAL COST WITH VIEWING AND BURIAL 
Non-declinable basic$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


HOW SHOULD I PAY MY PREMIUMS?

The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month and you don’t need to worry about your policy lapsing due to non-payment.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


MARIJUANA AND ILLEGAL DRUG USE AND BURIAL INSURANCE RIDERS

Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while other riders can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.

Here’s a list of common burial insurance riders:

FUNERAL FUNDS ADD-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans


INFORMATION WE NEED IF YOU’RE A MARIJUANA AND ILLEGAL DRUG USER

When applying for final expense insurance for marijuana and illegal drug users, it is important to provide us much information as possible.

We will ask you a series of health questions to get a better idea of your condition. These questions include:

  1. When did you start using marijuana or illegal drugs?
  2. How long have you been using marijuana or illegal drugs?
  3. What type of drugs have you used?
  4. Have you ever been hospitalized due to marijuana or illegal drugs?
  5. How long have you been living a drug-free life?
  6. Have you sought treatment or professional help to ensure sobriety?
  7. Have you gone to rehab, how long have you been there?
  8. Did you have a relapse? If so, how many times?
  9. Do you have any medical issues caused by marijuana or illegal drug use (heart disease, stroke or HIV)?

We need to know your medical condition to be able to provide you with the best recommendation. The more information we get, the better our chances of finding affordable insurance coverage.


BENEFITS OF BURIAL & FUNERAL INSURANCE

Here are some of the benefits of purchasing a burial or funeral policy:

  • No medical exam or doctor’s visit required – easy to get approved.
  • Ease of issue – easy to qualify and get insurance coverage.
  • No Money Down to get approved – have your policy start whenever you want.
  • Level premium – your premium will never increase.
  • Fixed death benefit – your death benefit will never decrease for any reason.
  • Permanent protection – your policy can not be canceled by the life insurance company as long as you continue to pay your premiums.
  • Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
  • Cash value builds up – burial insurance is a whole life policy that builds cash value over time.


OTHER COMMON USES FOR FINAL EXPENSE LIFE INSURANCE FOR MARIJUANA AND ILLEGAL DRUG USERS

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan for marijuana and illegal drug users
  • Cremation insurance plan with marijuana and illegal drug users
  • Funeral home insurance plan with marijuana and illegal drug users
  • Final Expense insurance plan with marijuana and illegal drug users
  • Prepaid funeral plan insurance with marijuana and illegal drug users
  • Mortgage payment protection plan marijuana and illegal drug users
  • Mortgage payoff life insurance plan marijuana and illegal drug users
  • Deceased spouse’s income replacement plan marijuana and illegal drug users
  • Legacy insurance gift plan to family or loved one’s marijuana and illegal drug users
  • Medical or doctor bill life insurance plan marijuana and illegal drug users

We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.


HOW CAN FUNERAL FUNDS HELP ME?

Trying to find a policy for marijuana and illegal drug users needn’t be a frustrating process; working with an independent agency like Funeral Funds will make the process easier and quicker.

We will work with you every step of the way in finding the plan that fits your financial requirements and budget. You don’t have to waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you. We will search all those companies to get the best rate. We will match you up with the best burial insurance company that gives the best rate.

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for marijuana or illegal drug use funeral insurance, or marijuana or illegal drug use burial insurance, or marijuana or illegal drug use life insurance, we can help.

Fill out our quote form or call us at (888) 862-9456 and we can give you accurate life insurance quotes.

Life Insurance, Funeral Insurance, Final Expense Insurance, Burial Insurance For Marijuana And Illegal Drug Infographics

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