Life Insurance History Of Drug Abuse

When you apply for life insurance the carrier is interested in your mortality risk which estimates the likelihood or odds of your death due to health family history and driving habits among many others. To sum it up securing a life insurance policy for a person with a history of drug abuse depends from case to case application to application. If you have a history of drug use this may affect your eligibility for life insurance even if you are currently clean.

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Nowadays it seems like the drug epidemic within the united states has become so large that it is nearly impossible to speak with someone who has not been directly affected by its horrors.

Life insurance history of drug abuse - Life insurance with drug history. Maybe you ve already applied for life insurance but got declined because of your drug history. One of the most important factors a life insurance company will consider is whether you re still using drugs and the type of drugs you re using.

This is why life insurance companies want to know about your drug history. The life insurance application process is always an extensive one. Drug abuse can drastically alter the course of a person s life and all too often causes it to end abruptly and unnecessarily early.

There s no hard and fast rule that the application would be denied although the history may affect the premiums and the cover offered by the policy. If you currently use illicit drugs or have used in the past you might be wondering how this will affect your application for life insurance. Substance abuse refers to the extreme dependency on any harmful element to alter moods or feelings which leads to significant impairment.

Life insurance with a history or drug abuse. And it s even more extensive for those with a history of drug abuse. Life insurance and substance abuse.