Life Insurance And Alcohol

Written by The Life Insurance Blog

If you are someone who has struggled with alcohol before but you need life insurance, we have the information you’re looking for, to not only get accepted for life insurance, but pay the lowest possible premiums. You can even obtain quotes for term life insurance with no exam required if this is something that interests you.

When applying for life insurance and alcohol is a previous hurdle, the insurance company you apply to will have an impact on your ability to qualify, but there’s more to the story, too.

There are certain things underwriters are looking for specifically which may raise or lower your overall risk. Even things such as your BMI can affect life insurance rates and coverage.

Continue reading below to find out what matters most, how you can secure the best policy rates, and how we can help you get approved faster than anyone else!

Risks of Life Insurance And Alcohol

life insurance and alcoholFirst things first, having a few drinks here and there isn’t going to be an issue.

Having some beers with your co-workers on Friday night after a long, stressful week doesn’t mean you suddenly have to worry about being declined for life insurance. In fact, some companies won’t even ask you about it at all, unless it’s been established as an issue already.

So where does alcohol come into play with life insurance? Think DUI’s, being hospitalized for drinking too much, excessive and prolonged use which requires counseling, AA, rehabilitation or other controlled environment. When alcohol becomes more than just a clashing of glasses with friends once in a while or enjoying a cocktail while on vacation by the pool, long term issues can arise which lower possible lifespan.

Only at the point of risking longevity does an insurer begin to care about whether or not they should approve your application and offer you a life insurance policy.

It’s no secret that alcohol consumption, especially among young adults, can lead to high risk activity, poor choices, and even long term disease if it is repeatedly abused over many years.


Having a DUI on your record is treated a little differently than if alcohol was to blame for poor health.

For someone who has had a DUI or DWI on their record in the past 5 years, while each carrier has a slightly different stance on what you can get, you’re likely looking at a policy with a flat extra charge. This simply means an extra monthly/annual charge on top of normal premiums, assuming you can otherwise qualify for a policy based on age and health.

More than one DUI on your record, without regard to time frame, makes it even harder. You might still be able to qualify for a fully underwritten (traditional) life insurance policy, but you can expect high premiums and fewer carriers who to do business with.

Public Intoxication / Disorderly Conduct

Non-vehicular tickets or arrests are also treated differently than health related alcohol concerns, as there are different degrees to which one could be charged. Felonies and misdemeanors are treated separate, and will be looked at on a case-by-case basis from virtually every carrier.


Because alcoholism has both physical and psychological impairment risks, additional questionnaires will probably be required in accordance with underwriting guidelines.

The extent to which a person is eligible is heavily dependent on what factors are at play, such as dependence, depression, citations, rehabilitation or AA completion, adherence to any repercussions issued by law, and of course, health related risks.

Liver Disease

There are many factors for you to consider, but for the average person, responsible use will yield you excellent rates as long as your current and past health history would also award you such ratings. If you have questions about your particular situation, we’d be happy to assist you find what you’re looking for, as well as shop the nations top rates to make sure you pay the least possible price for your insurance. There are many other issues out there to think about when applying for life insurance such as your diet, your weight, your daily activities, your medical history, including things such as how applying for life insurance with suicide attempts or thoughts notated on your medical history can label you as high risk.

How Much Life Insurance You Need

Aside from ensuring that you’re getting the right kind of life insurance, it’s vital to ensure that you’re getting enough coverage for your family. Not having a large enough plan is going to leave your family with additional bills and expenses. Before you purchase any life insurance, you’ll need to determine how much coverage they will need.

The first number that you need to look at is your debts and other final expenses. The primary goal of your plan is to give your family the money that they need if you were to pass away. Add up all of your major bills like your mortgage, student loans, business loans, and any other expenses that your family would be responsible to pay off if something tragic were to happen to you.

The next number that you should look at is your annual income. The secondary goal of your life insurance plan is to give your family the money that they need to replace your paycheck. If something tragic were to happen to you, your family would no longer have your source of income, but that’s where your life insurance coverage comes in.

Getting Affordable Life Insurance Coverage

Regardless of your health or your alcohol consumption, there are several ways that you can secure lower insurance premiums and ensure that you’re getting the best rates possible. Making a few simple changes can save you thousands of dollars on your insurance coverage, which means more money in your pockets.

One simple way is to cut out the tobacco. If you’re listed as a smoker or a chewing tobacco user, then you should expect to pay much higher insurance rates. In fact, smokers are going to pay at least twice as much for your insurance coverage. With some companies, you’re going to pay as much as three times as much. If you want to save money, it’s time that you quit the bad habit once and for all.

Similarly, if you want to save money, cutting out the excessive alcohol can help you do that. Limiting how much you drink can have a huge impact on your health as well as your wallet. Less alcohol is going to help you lose weight and will improve your overall health, which can save you hundreds and hundreds of dollars every year.

Another way for you to save money is to improve your health. The insurance company is going to require that you take a medical exam (unless you buy a no exam plan), and the results of the tests are going to impact on how much pay for your coverage. If you want to save money, you’ll need to get better results. The two best ways to do that are to make healthier food choices and start getting regular exercise. Both of these will help you lose weight, lower your blood pressure, lower your cholesterol, and reduce your chances of being diagnosed with severe health complications.

The best way to ensure that you’re getting the best rate is to compare dozens of plans before you decide which one is going to work best for you. Every insurance company is different, and all of them are going to have different views on alcohol and medical underwriting. That means that you could get drastically differing rates depending on which company that you get the quote from. Finding the perfect company can be the difference in getting an affordable plan or paying a fortune every month.

There are thousands of different companies on the market, which means you could spend weeks looking to get the best company. Instead of wasting hours and hours calling different companies, let one of our independent brokers do all of the hard work for you. Unlike a traditional insurance agent, our independent agents bring all of the best insurance policies directly to you. It’s our mission to ensure that you’re getting the best plan for you and your family.

Because you never know what’s going to happen tomorrow, which means that you shouldn’t wait any longer to get the insurance protection that your family deserves. If something were to happen to you, and you didn’t have insurance coverage, your family would be responsible for a massive amount of debt and other final expenses. Nothing it going to make the situation easier, but the proper life insurance coverage will help relieve some of the financial stress.

About The Life Insurance Blog
About The Life Insurance Blog

The Life Insurance Blog is the main resource to information regarding life insurance on the internet. We are knowledgeable across all the different types of life insurance, familiar with a vast array of carriers, and we are actual life insurance agents.

We work with individuals across the nation to secure the best life insurance rates.

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