Marijuana users applying for life insurance should be aware that past and current marijuana use, frequency of use, the applicant’s age, and a urine test will all be considered during the underwriting process. As always, it’s better to disclose your health history and habits up front so we can help you apply with the company that is going to treat you the most favorably. If you don’t disclose marijuana use on your application and your urine tests positive for THC, you will most likely be declined.