Recreational Marijuana Usage – It’s not if they use, but how much

With many states legalizing the recreational use of marijuana, carriers have differing underwriting guidelines. Recreational marijuana use guidelines apply to applicants over age 18 and for marijuana that is ingested, inhaled or administered topically. Marijuana that is inhaled whether for medicinal or recreational purposes is considered as recreational marijuana use.
We can offer competitive underwriting decisions for recreational marijuana, tobacco and non-combustible tobacco use through various underwriting initiatives. View the guidelines below to see if your client qualifies. 

Recreational Marijuana Usage Guidelines

Additional considerations:

  • Medicinal Marijuana – Use frequency of use ratings in addition to rating for impairment being treated
  • CBD oil – No additional rating and eligible for Preferred Select