Life Insurance Broker | http://www.Life-Insurance-Broker.ca | Call 877-811-4043. If you are an occasional user of marijuana, buying life insurance is not as difficult as you would think. Even if you are already a smoker or you use nicotine products, you will only pay a standard smoker rate. However, if you are a habitual user of marijuana, the life insurance company will either charge you a higher premium, or decline you since this case is considered a much higher risk. If you'd like some help, our life insurance brokers from Life Guard Insurance can help you while keeping your personal information confidential.