Question about LI and marijuana use

My (36M) wife (37F) is asking me to get a life insurance policy and I have a few questions since I’ve never gone through the process before.

For starters, I use weed to keep my stress levels down. It’s not an everyday thing, but probably three or four times a week. I’m trying to quit – one week sober! – but she wants to get this going NOW.

I know I can’t lie on the application as that constitutes fraud, but my questions are:

Will I get denied for marijuana use, or will the premium just be higher? Im not a drinker, im at a healthy BMI, no underlying health conditions and I’ve never had any major health scares.

This would be through my wife’s employer’s insurance plan. (Voya Employee Benefits) She knows I’ve used it in the past but idk if she knows I use it on a weekly basis. If I get flagged for marijuana use, will she be able to see those results or will it note it somewhere on the policy?

Any insight would be helpful!

submitted by /u/Throwaway-icu81mi
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