some of you are admitted marijuana users and my question for you is: have any of you applied for life and/or health insurance policies that required blood and/or urine samples?

If you want to know if something is really bad or harmful, find out if you are insurable or what the rates are for the policy. I have an acquaintance that has a million dollar life insurance policy. He is a daily pot smoker. Insurance never batted an eye, but they wouldn't release his own evaluation to him until his lawyer worked on it for a year.