As you know, personal information like height, weight, medical conditions, propensity to take risks (skydiving and bungee jumping, etc.), alcohol consumption and recreational drug use are required disclosures on an insurance application.

FORBES: Sex And Asset Allocation

This complicates matters greatly for both Colorado and Washington, which also legalized the drug for recreational use in November.

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Part of the problem for law enforcement officers going after the illegal use of nitrous oxide is that its distribution or use as a recreational drug is only a misdemeanor, officials said.

NPR: Feds Raid 17 Calif. Businesses For Nitrous Oxide

"It's an easy way to get your hands on an opiate-based drug, a painkiller, for recreational use, " Stillwell says.

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