Different insurance providers in Canada underwrite clients applying for life insurance who use marijuana differently. Please see below for a brief summary of some providers in Canada and their guidelines for determining rates for marijuana users.

Industrial Alliance
Clients who use marijuana may qualify for non-smoker rates if they do not use tobacco products or products containing nicotine. Based on the quantity of marijuana consumed, the client may be considered for the regular non-smoker rate or the non-smoker rate with extra premium.

Manulife
Marijuana users who do not use any nicotine products or e-cigarettes will be classified as non-smokers. (Updated October 24, 2016.)

Empire Life
Users of marijuana and hashish for medicinal or recreational purposes may be considered for non-smoker rates if there has been no use of e-cigarettes, tobacco or nicotine in any form in the last 12 months.

Sun Life
Marijuana users are now assessed at non-smoker rates unless they also use tobacco.

Great West Life
Clients who use marijuana will no longer be considered smokers, unless they use tobacco, e-cigarettes or nicotine products.

London Life
Clients who use marijuana will no longer be considered smokers, unless they use tobacco, e-cigarettes or nicotine products.

Canada Life
Clients who use marijuana will no longer be considered smokers, unless they use tobacco, e-cigarettes or nicotine products.

ivari
Clients who use marijuana will no longer be charged smoker rates, unless they also use any form of tobacco. Clients will be assessed according to the frequency of marijuana use.

BMO Insurance
Occasional marijuana smokers will be considered for non-smoker rates. Occasional marijuana smoking is defined as up to two marijuana cigarettes per week for recreational purposes only. Medical marijuana users will be considered for non-smoker rates and underwritten based on their individual risk parameters.

Equitable Life
Clients who use marijuana, both inhaled and ingested, will be considered for non-smoker rates provided they do not also use tobacco.

SSQ Financial Group
Recreational marijuana users will be considered non-smokers, unless other tobacco products are also used. There are no age or insurance amount restrictions. (Updated July 7, 2017.)

If you are a marijuana user and are considering applying for life insurance, please contact us so we can help determine the best approach for you.

Source : http://www.advisor.ca/insurance/life/where-do-insurers-stand-on-pot-use-217569

West Coast Life Insurance
Email – simon@westcoast-lifeinsurance.ca
Phone – 778-484-2683