Can drug addicts get life insurance?

Lelah Yundt asked a question: Can drug addicts get life insurance?
Asked By: Lelah Yundt
Date created: Sun, Mar 21, 2021 3:58 PM

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Those who are looking for an answer to the question «Can drug addicts get life insurance?» often ask the following questions:

❓ Can recovering drug addicts get life insurance coverage?

Yes, it may be possible for recovering drug addicts to get life insurance coverage. It depends on which company you request coverage from and what their underwriting guidelines are for approval. Some life insurance companies offer coverage for high risk individuals, and specialize in finding coverage for people with health problems or addictions. One way to find out is to compare plans and quotes from a leading life insurance quoting network online. They may provide you with free quotes at no obligation to you.

❓ How do addicts live drug free life?

101 Ways to Live Drug Free Exercise for at least thirty minutes every day in order to live healthier, be more active, and build your confidence. A stressful, chaotic lifestyle” can help lead to drug abuse. Find healthy ways to deal with your stress. Find peace in those things you already have in ...

❓ Life insurance drug overdose death?

Life insurance companies can deny coverage in the case of a drug overdose, but they'll need to prove that the overdose was deliberate to refuse the death benefit payout.

Question from categories: health insurance illicit drugs drug addiction

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If you’re a casual drinker, you shouldn’t have a problem finding life insurance. But if you were addicted to alcohol, even the most lenient life insurance providers will decline your coverage until you’re at least three years sober.

Current drug addicts can get life insurance if the policy is a guaranteed issue policy. There is a minimum age for this type of coverage that is usually age 40+ and the policy will be graded during the first few years for all but accidental death. Drug addicts who are currently using drugs can also get accidental death coverage.

The options you have to secure life insurance with drug addiction vary based on whether you are currently using, what type of drugs, how long since past usage and overall health. Please reach out to us by sending us a message or completing the quote form on this page.

Does a past drug addiction affect my life insurance rates? Yes. Any history of drug use affects how much you pay for your life insurance policy, and it’s important to be completely honest in your application.

Quotacy agents have helped former drug addicts get life insurance. If you’re a recovering addict, getting approved for life insurance depends on a few factors. Your best chances of getting coverage is to apply through a broker, like Quotacy. Brokers are not tied to one life insurance company and are able to shop the market.

Though it depends on the specifics of your situation, many former drug users can qualify for traditional life insurance coverage. And those who can’t still have several quality alternatives to choose from. Working with an independent agent like us helps you connect with the top providers most likely to insure a recovering drug addict.

Can I get life insurance if I’m a drug addict? Anyone who is currently abusing an illegal substance (perhaps with the exception of marijuana) is unlikely to be approved for life insurance. Insurers view addicts as extremely high risk, and are therefore unwilling to provide life cover due to the impact they can have on your both your physical and mental health – especially over a prolonged period.

Most companies will require that you have been sober for at least a year before considering approval of a policy for life insurance with a drug history. This goes up to 3 years for any of the highly addictive drugs. Different companies will vary on the period of sobriety required.

Best Case Life Insurance Approval Using Illegal Drugs In a best-case scenario, if you use marijuana, even currently, you may be able to get Standard Non-Tobacco rates, if use is recreational. Funny thing is if you use it with a prescription, you’ll be classified under Tobacco rates, which cost two to three times the Non Smoker rates.

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Can a drug addict get life insurance?

The options you have to secure life insurance with drug addiction vary based on whether you are currently using, what type of drugs, how long since past usage and overall health. Please reach out to us by sending us a message or completing the quote form on this page.

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Does life insurance cover accidental drug overdose?

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Does life insurance pay for drug overdose?

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