Life insurance for the cannabis industry.
Big carriers turn cannabis pros away. We don't — and we don't stop there. We insure everyone, any industry, any walk of life.
- 10K+
- Cannabis pros insured
- 24hr
- Avg quote time
- 50
- States covered
Coverage you can use while you're alive.
Most people think life insurance only pays out when you die. The carriers we work with — Ameritas in particular — build modern policies that let you tap part of your death benefit early if life takes a serious turn.
- Chronic illness
Can't perform 2 of 6 activities of daily living? Access funds for in-home care or assisted living.
- Critical illness
Heart attack, stroke, cancer diagnosis, kidney failure — get cash for treatment, recovery, or whatever you need.
- Terminal illness
Diagnosis with 12–24 months to live? Use most of your benefit now, on your terms.
Preferred carrier
Ameritas
A-rated mutual carrier. Strong cannabis-industry posture. Living benefits included on most term and whole-life policies — no extra rider cost in many cases.
Approval factors
What actually decides your rate.
Carriers care about two things — and your industry isn't one of them.
Health
- Age, height, and weight
- Blood pressure and cholesterol
- Tobacco and nicotine use
- Pre-existing conditions (diabetes, heart, etc.)
- Immediate-family medical history
- Prescription history
Character
- Driving record (DUIs, recent moving violations)
- Felony or fraud history
- Bankruptcy and credit history (some carriers)
- High-risk hobbies (skydiving, racing, deep diving)
- Travel to high-risk countries
- Lifestyle disclosures, including substance use
Cannabis use? Most carriers treat it the way they treat alcohol — it's noted on the application, not a deal-breaker.
How it works
From form to covered in three steps.
Tell us about you
A few quick questions about your role, age, and coverage needs.
We match a carrier
We work with carriers that don't penalize cannabis-industry workers.
You get covered
Most policies issue in days, not months. No medical exam in many cases.