Chronic illness
If you can't perform 2 of 6 activities of daily living, a qualifying rider may provide access to funds for in-home care or assisted living, subject to the policy's requirements.
HappyDaze
Life insurance that actually gets the cannabis industry.
From grow rooms to dispensary counters, we protect the people behind the plant, and everyone else too.
Open to everyone. Cannabis-friendly from day one.
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States covered
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Response time
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Judgment-free
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Awkward questions
Who we cover
The people behind the plant
Growers
Coverage that understands cultivation work.
Dispensary Owners & Budtenders
Protection for the faces behind the counter.
Trimmers & Processors
Fair options for hands-on crews.
Extractors & Lab Techs
Specialists who understand your role.
Distributors & Delivery Drivers
Peace of mind on every route.
Consultants & Brand Owners
Key person and business coverage.
Cannabis Consumers
Honest answers, no judgment.
And everyone else.
HappyDaze provides life insurance for anyone who wants to protect the people they love.
Why specialized coverage
Many traditional insurers hesitate when they hear the word cannabis.
Unclear policies and old stigma leave good people without fair options.
HappyDaze removes the stigma and finds coverage that fits your life.
Coverage types
Plans in plain English
01
Term Life
Affordable protection for a set number of years, like while kids grow up or a mortgage is paid off.
02
Whole Life
Lifelong coverage that can build cash value over time.
03
Final Expense
Smaller policies that help loved ones handle end-of-life costs.
04
Key Person / Business
Protect your business, partners and team if an owner or key person passes.
Our carriers
Strong carriers. Personal protection.
HappyDaze works with three A and A+ carriers to help you find life insurance that fits your life.
Ameritas
My Life
Cincinnati Insurance
Financial-strength ratings are not a guarantee of coverage or policy performance. Ratings, products, and availability may change; your agent can confirm the issuing company and its current rating.
Living benefits
Coverage you can use while you're alive.
Life insurance isn't only about what happens after you're gone. Eligible policies from the carriers we work with may let you access part of your death benefit early if life takes a serious turn.
Critical illness
Qualifying events may include a heart attack, stroke, certain cancer diagnoses, or kidney failure. Eligible benefits can help with treatment, recovery, or other needs.
Terminal illness
A qualifying diagnosis with a life expectancy of 12–24 months may allow early access to part of your death benefit. The exact time frame and amount depend on the policy.
Living benefits are subject to the policy and rider terms, qualifying diagnoses, exclusions, and state availability. Not every policy includes every benefit. Accelerating benefits reduces the remaining death benefit and may involve fees or discounts; tax and public-benefit implications may apply. Your licensed agent will explain the details.
Approval factors
What actually decides your rate.
Your industry doesn't tell your whole story. Carriers review your health and personal history, with requirements that vary by company and policy.
Health
- Age, height, and weight
- Blood pressure and cholesterol
- Tobacco and nicotine use
- Pre-existing conditions (diabetes, heart conditions, and more)
- Immediate-family medical history
- Prescription history
Character
- Driving record (DUIs and 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 is not automatically a deal-breaker. Frequency, method of use, health history, occupation, and each carrier's guidelines can affect eligibility and rate class. Be open about your situation so we can look for suitable options.
How it works
Four easy steps
- 1
Tell us about you
A short, judgment-free form. Two minutes, tops.
- 2
We match your options
We shop carriers that are open to your situation.
- 3
Review with a real human
A licensed agent walks you through everything.
- 4
Get protected
Pick your plan and relax. Your people are covered.
Why HappyDaze
Judgment-free
No lectures. Just protection.
Industry-savvy
We know how cannabis careers work.
Human support
Real people, not phone trees.
Fast response
We reply within one business day.
Everyone welcome
In cannabis or not, we've got you.
“Two insurers turned me down because I run a grow. HappyDaze found me a term policy in a week.”
Jordan M. · Cultivation Lead
FAQ
Good questions
Free quote
Let's protect your people.
Tell us a little about you. No judgment, no pressure, no obligation.
- (555) 000-0000
- hello@happydaze.example
- Mon–Fri, 9am–6pm