Marijuana frequency refers to how often an individual uses cannabis products, whether smoked, vaped, or ingested, and is a key factor in life and health insurance underwriting. Carriers distinguish between occasional, moderate, and heavy use, and may ask whether use is recreational, medical, or both. Frequency interacts with other risk elements such as mode of use, driving history, mental health, and other substance use. As laws and social norms have evolved, many insurers have updated their guidelines, but regular marijuana use can still affect rates, tobacco classification, or eligibility.

In everyday underwriting conversations, advisors gather details about marijuana frequency by asking clients about number of uses per week or month, methods of consumption, and duration of use. Application questions increasingly differentiate between THC and CBD products and between infrequent experimentation and habitual use. Some carriers may offer non tobacco rates for low frequency users who do not smoke, while others still treat most marijuana use like nicotine from a pricing standpoint. Heavy or daily use, especially when combined with impaired driving incidents or mental health issues, can lead to higher ratings or declines. Advisors must encourage clients to answer candidly, because prescription, lab, and database checks can reveal discrepancies. By understanding marijuana frequency guidelines at different carriers, producers can better match clients to underwriting niches and set realistic expectations about pricing and possible postponements.