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Life Insurance for Alcohol Drinkers

Getting alcohol drinkers approved with preferred rates!

Many alcohol drinkers have a high degree of chemical dependency. Recent studies have shown that 55% of adult Americans have some form of alcohol addiction in their medical history. Before we talk about how to shop for life insurance, let’s talk about how it affects the human body and how the life insurance companies view this chemical.

After you read this article you should be much more knowledgeable on the negative effects of this drug. Also how to get the lowest life insurance rates for drinkers once you do apply.

Take a moment to read the information below. It will help you understand the effects of alcohol on the human body. It will also enable you to understand why life insurance companies take alcohol drinking very seriously.



Alcohol consumption is multi-billion dollar business

This substance is found in many forms of drinks such as beer, wine, liquor and wine coolers. Also whiskey, liqueurs, and even some coffee containing drinks. Always check the labels on beverages before you buy them so you know for sure what the percentage is. The last problem you need is to be having a drink containing this powerful drug and not even knowing it.

Some of the information you are going to see below is not something that you have to know and fully understand. It is meant to answer most questions you might have concerning the use of alcohol when planning on applying for life insurance. The life insurance companies leave no rocks unturned when it comes to applicants that use alcohol.


Purchasing life insurance for alcoholics

If you are a very heavy drinker and an alcoholic. You will find that applying for life insurance at this point in time will be difficult. The life insurance companies know that the side effects of alcohol has probably already done some form of damage to your internal organs. If they are not already damaged now, they certainly will in the future if you keep on drinking.

Many alcoholics will be declined when they go to apply. Just the heart and liver damage alone is enough to shorten your life. If you are shopping for life insurance for alcoholics, you may want to wait until you can slow down on your drinking. Contact us and we can go over all your options depending on how much you actually drink.


Life insurance quotes for alcohol abusers

When I talk about an actual alcohol abuser, I refer to people that consume a high degree of alcohol. If you look at yourself as an alcohol abuser, you may possibly be an actual alcoholic that is totally addicted to the chemical. This puts yourself into a high risk life insurance classification.

The first thing you should do is contact an independent life insurance agent like ourselves to run a quick 10 minute pre-screen to get an idea what would happen if you submitted an application. Do not just jump in and apply before pre-screening your health and degree of  alcohol use. This can either make or break your application.


Alcohol drinkers can cause irreversible damage to their bodies nervous system

A person’s brain is basically a computer to make everything on your body to work in unison. The brain is actually known as the Central Nervous System that totally controls your body. This is unless something else like alcohol is controlling your brain. If a person’s brain has been hit with large quantities of this drug, everything begins to shut down. Eventually a person could pass out or die if enough has been consumed.


Common questions heavy alcohol drinkers ask

  • Does life insurance for drinkers actually cover a related death?
  • Is there a life insurance test for this drug?
  • Is there a life insurance questionnaire for alcoholics?
  • Does life insurance cover Cirrhosis of the Liver?
  • Can a recovering alcoholic get life insurance?
  • Will I have to take a CDT alcohol marker test?
  • What is the Carbohydrate Deficient Transferrin CDT test?
  • Will the insurance company check for elevated liver enzymes?

How the insurers look at alcohol use

Anytime you drink, it is immediately absorbed into your bloodstream and affects single every part of your body. As the time goes by this can put your health at serious risk and even possible death. The life insurance companies are always concerned about people that drink. The worry is their drinking habits will increase over time. Applying for life insurance for alcohol drinkers takes some experience on your agents part.

  • Pancreas Problems and Damage
  • Possible Onset of Diabetes
  • Lack of Coordination Issues
  • Passing Out (sudden blackouts)
  • Vision Problems
  • Becoming Totally Addicted to Alcohol
  • Stomach Ulcers
  • Major Chronic Fatigue
  • Becoming Infertile for Women
  • Severe Liver Damage 
  • Slurring of the Speech
  • Scary Hallucinations
  • Malnutrition from Not Eating Properly
  • Heart Destruction from Heart Valves to Cardiomyopathy
  • Birth Defects in Women Having Babies

How important is a CDT test?

Transferrin is a very important protein substance found in the blood that carries the valuable iron to the bone marrow, liver, and spleen. When someone drinks in excess, it drastically increases certain types of transferrin that are carbohydrate-deficient. When the carbohydrate deficient transferrin steadily increases, it can be measured in the bloodstream and therefore is an  accurate marker of the degree of abuse.

Why is CDT testing always so important?

A very important study that used CDT testing among patients with hypertension and diabetes found that of the 804 patients involved in the study. Over 11 percent of the people with diabetes and 17 percent of those with hypertension were drinking at dangerous and harmful amounts of alcoholic beverages. 

How a CDT test actually works

People who do not consume the chemical or just use small quantities will have much lower carbohydrate deficient transferrin test levels in their bloodstream. On the other hand, the people who drink five or more drinks a day for at least five days a week for approximately two weeks prior to the testing will have CDT at much higher levels. For patients who drink a bottle of red or white wine, six beers, or half of a pint of whiskey a day.

The CDT testing is extremely accurate in detecting that the individual is drinking heavily. If the person stops drinking or slows down, the CDT levels will also go down. Then if they start drinking heavily again, the levels will jump up to a high degree.


Liver damage is the number one health concern the carriers are concerned with

The most important job of a person’s liver is to break down harmful substances, including the alcoholic drinks you consume. Abuse can cause alcoholic hepatitis which can lead to the development of the dreaded jaundice. Chronic state of liver inflammation can lead to severe scarring known as cirrhosis of the liver. This formation of scar tissue can actually destroy your liver.

When the liver fails to perform, toxic substances remain in your body which in turn chemically pollutes a person’s body. Liver disease is extremely life threatening. Women are known to be at a higher risk than men for alcoholic liver disease. This is because women’s bodies tend to absorb 30% more of this chemical and take much longer to process it.

Your pancreas is also one of your most important organs you need to protect!

Anytime the pancreas and liver don’t function properly, the risk of hypoglycemia rises. A damaged pancreas can cause the body to be unable to utilize sugar. This is due to a lack of insulin being developed, which can lead to hyperglycemia. Blood sugar levels that are not properly balanced can be a dangerous medical problem, especially for Diabetics.

Liver Cancer can also stem from alcohol abuse. Applying for life insurance for drinkers has always revolved around the condition of the drinkers liver. Your liver has to be functioning normally to be able to qualify for low cost Term life insurance.

It can be fatal to stop heavy alcohol drinking too quickly

Over a period of time, alcoholics can become physically and emotionally dependent on this drug. When an alcohol user stops drinking abruptly, they’re likely to experience symptoms of withdrawal, such as:

  • Stomach nausea
  • Mental state of anxiety
  • Very high blood pressure
  • Muscle tremors

The negative side effects of the digestive system

Alcohol addiction can cause major problems with your digestive system also. All it takes is a onetime event to injure important areas of your digestive system. Abuse can damage your very important salivary glands and irritate your mouth and tongue, leading to dangerous gum disease along with advanced forms of tooth decay.

Heavy drinking can cause medical conditions such as ulcers in the esophagus, acid reflux, and heartburn. Stomach ulcers and extensive inflammation of the stomach lining can occur causing life threatening problems. Inflammation of the pancreas interferes with its ability to digest food and regulate your body’s metabolism. It can also lead to dangerous internal bleeding which in some cases can lead to death.

If your digestive tract is damaged, your body can be starving even if you eat properly

Alcoholic beverages make it harder for your digestive tract to absorb nutrients and B vitamins or control bacteria. Alcoholics often suffer from malnutrition. Heavy drinkers face a very high risk of mouth, throat, and esophagus cancers. Moderate drinking in the presence of tobacco use can raise the risk of these upper-gastrointestinal cancers. Colon cancer is also a dangerous risk. Symptoms of withdrawal may include nausea and vomiting a dangerously high blood pressure readings.

Alcohol and the immune system

An immune system weakened by this drug has a hard time fighting off viruses, germs, and all types of illness. Heavy drinkers are more likely to get pneumonia or tuberculosis than the general population. Long term alcohol addiction can increases your risk of many forms of cancer.

The blood circulatory system

Just a single episode of heavy drinking can cause trouble for your heart. It’s even more likely your heart will suffer if you’re a chronic everyday drinker. Women who drink are at even much higher risk of heart damage than their male counterparts.

Anytime if have a drink, the alcohol flows throughout your body from head to toe. When it flows into your brain, you will be destroying a percentage of your brain cells. Drinking in moderation and drastically reduces the ill effects of the alcohols ability to damage cells. 

Circulatory system complications can also include:

  • Destruction of the heart muscle cells (cardiomyopathy)
  • Irregular heartbeat (arrhythmia)
  • High blood pressure (Hypertension)
  • Massive stroke
  • Heart attacks
  • Complete heart failure

This is exactly how the life insurance companies look at alcoholic consumption. Also how it can damage your bodies internal organs and eventually lead to death if not controlled. Everything taken into moderation is fine and this chemical is no exception. If you control your alcoholic intake you will probably never have a problem.

The life insurance industry takes a very serious look at any type of substance abuse. Mainly because it could lead to death if a person fails to limit their drinking.

Rate classes the carriers use to determine premiums

  • Preferred Best – For above average healthy applicants.
  • Preferred – For healthy applicants that may have very minor conditions.
  • Standard Plus – For Healthy applicants that have more serious conditions.
  • Standard – This class is for applicants that may have several medical conditions.
  • Substandard Classes– can use table ratings which normally begins with A and goes down to the letter J. 

Apply for No Medical Exam life insurance and eliminate taking a medical exam

You have the option of applying for life insurance with no medical exam. If you go this route you will not have to take a physical exam. Purchasing life insurance with no medical exam can also means not having to produce medical records from you doctor’s office. All of the best life insurance companies have this option at your choice of plan designs.

Quite a few people that apply for life insurance for alcohol drinkers find that this is a very good route to take. The turnaround time can also be very quick with approvals between 24 to 48 hours. If you simply do not want to take a medical exam. You can still get some of the very good life insurance rates with no medical exam life insurance. A fully underwritten policy normally takes between a month to six weeks to approve.

Our quoting system will show you which company has the best rates

If you are ready to start comparing plans designs and premiums, you can begin comparing the lowest rates from the most competitive companies in your state. All of the best rates in the nation are displayed on our quoting system. We can give you a more accurate quote if you have any health concerns. We utilize over 40 life insurance companies to make sure you receive the lowest rates possible. The most effective plan design is term life insurance.

In Conclusion

If you are looking to find the best life insurance for alcohol users, we’ve got you covered. Our agency works with more than 40 of the best life insurance companies in the nation. This is to make sure our clients don’t spend a penny more that they have to. There is never any cost to apply as the companies pay all expenses. Our service to you is always free and with no obligation. Complete the form on the right and compare instant life insurance rates from over 40 companies in less than a minute. 

All the best,
Jack Venturi

Schedule a specific time to discuss all your questions and concerns with no cost or obligation. Applying for life insurance when using alcohol can be more challenging so the more you know the better.

*Many thanks to the expert resources:  National Institute on Alcohol Abuse