If you have had a history of alcohol abuse and need life insurance, let us help you get the life insurance you need.
We understand life insurance underwriting and know how to work with life insurance underwriters in order to get you the best possible rates based on your specific health history.
How Does Alcohol Treatment Affect Life Insurance?
Your information is always treated with the utmost privacy. If you have a history of treatment for alcohol abuse, we may be able to help you obtain life insurance.
There are some critical factors involved that will determine your ability to obtain life insurance coverage. We are here to help.
If you would rather speak with us first, please call us at Toll Free 800-909-2040 to discuss.
Alcoholism & Life Insurance Underwriting
Alcoholism is a chronic disease that presents difficulty in life insurance underwriting. We have a few impaired risk life insurance companies available that understand alcoholism and how to underwrite you for life insurance.
The ability to obtain life insurance coverage is based on the history, treatment, post treatment, support network, medical records, driving records, current lab results.
From a life insurance underwriting standpoint, underwriting alcohol abuse history is invasive.
What this means is that life insurance companies want to know your entire history, social, work, driving,medical, etc.. They are looking at all aspects of your current life to determine what type of life insurance risk you are to them.
We will ask you a lot of questions. We do this so we can fight for you to get the best possible life insurance rates available, or to tell you when we think it will be difficult to get you coverage.
We need to be able to understand your history, promote the positives and fight for you.
Again, your information is private and held in confidence. We are professionals, respectful and want to help you.
We work for you, not the life insurance companies.
What do Impaired Risk Life Insurance Companies Look for when Underwriting Alcohol History?
History – What happened in the past? Are there extenuating circumstances that contributed to your alcohol problem?
For example, job loss, death of a family member, marriage problems, etc. If we can give the underwriter a better understanding of who you are rather than a pile of paper with medical facts, it will help.
Life insurance underwriters want to know how long the problem lasted, how much alcohol was used.
How Does Alcohol Treatment Affect Life Insurance?
Have you been to a treatment facility?
Are you a member of AA?
Life insurance underwriters want to know when you went to an alcohol treatment facility, how long did you stay at the treatment center, did you have any relapses?
Once released from treatment, are you an AA member? Any relapses?
Do you attend meetings on a regular basis or just occasionally?
What is your support network like?
The Occasional Drink – When a life insurance company sees an alcohol-related event such as AA or alcohol treatment rehab and sees that the person has an occasional drink now, it is very difficult to obtain coverage for you.
Even if years have passed since treatment. Life insurance companies have a difficult time offering you coverage if you have been through treatment and still have an occasional drink.
Family – What type of social support do you have from family members? Are you married, kids, etc..? Who depends on you? The better the social network of support, the better your chances for coverage.
Driving Records – Do you have any DUI’s or DWI’s? We will need to know details, accidents, injuries to others, etc..
Employment – Has alcohol affected you employment? Are you currently employed? What type of responsibilities do you have at work?
What life insurance companies are looking for is responsible behavior here. Life insurance companies don’t contact your employer.
Medical Records – What do your medical records say about you? Have you developed medical problems as a result of alcohol?
If you have developed Cirrhosis of the liver as a result of alcohol use, most life insurance companies will decline you.
There may be guaranteed issue policies available.
Where Are You Now?
Life insurance companies want to know what your circumstances of today are.
Do you attend Alcoholics Anonymous meetings?
Are you steadily employed?
What is your family life like?
Have you had any relapses?
Any medical problems as a result of alcohol?
How Do We Get You the Best Life Insurance Rates?
We maintain a database of competitive life insurance rates and underwriting guidelines.
We talk to life insurance underwriters. We put your information together and give underwriters a complete picture not only of the past but where you are now.
When we get underwriters to see the complete picture, it helps your case for life insurance at more competitive rates!
Call us today at Toll Free (800) 909-2040 to get a free, no pressure, no obligation comparison.