Shopping for life insurance for drinkers that consume a high volumes of alcohol can sometimes get complicated. But you still may qualify for excellent rates with the right companies!
Many alcohol drinkers have a 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 effects 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.
Alcohol is multi-billion dollar business in the United States
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.
You could find yourself driving a car while you have drinking which could open a huge nest of problems. Alcohol is really very unhealthy for an individual’s body. It is so widely accepted today, many people think nothing of it and the dangerous effects it has. This is actually a powerful depressant just as strong as many chemical barbiturates.
Alcohol abuse can cause irreversible damage to your brain and 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 perspective applicants 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 life insurers look at alcohol addiction and your health
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 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
Drinking medically effects the human body
Very small quantities of this substance still have a negative effect on your body. Whenever you drink, it is quickly absorbed into your bloodstream and distributed throughout your whole body. A minimal amount still exits in your urine and your breath.
You absorb alcohol more slowly if you eat, food that is high in fat. Such as pizza, beef sandwiches and cheeseburgers. However, if you drink faster than your body can process it, you will get intoxicated. How quickly this drug is metabolized depends a lot on your overall size.
Excessive alcohol consumption can cause both physical and emotional changes that can do severe damage to your body. The long-term effects are many, putting your health in danger every time you drink. This all comes in the picture when applying for life insurance for alcohol users.
The CDT test and it’s importance
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.
Here is 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.
The human body has its own built in cleansing system
The excretory system is your bodies garbage disposal system responsible for processing and eliminating waste products just like alcohol from your body. As part of that process, your pancreas secretes digestive enzymes. They combine with liver bile from the gallbladder to help you digest your food. The pancreas also helps regulate insulin and glucose which is extremely important to all functions of the internal organs.
Excessive use can cause the pancreas to produce toxic chemicals which can poison your body. Pancreatitis can develop causing a very serious problem that can damage your pancreas. The number one cause of chronic pancreatitis is this chemical abuse. The Internal organs start to breakdown as the time goes by. An alcohol marker test is sometimes requested by the life insurance companies.
Liver damage is the number one health concern linked to drinking
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
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.
Alcohol addiction and its effect on the central nervous system
The first signs they see from a person who just consumed this drug is the change in one’s behavior. Alcohol travels through the body quickly and easily. It can quickly reach many parts of your body, including your brain and other parts of your central nervous system. This can make it very hard to talk, causing the famous slurred speech. It can also affect coordination interfering with balance. Including the ability to walk which are all the know symptoms of people hitting the bottle. This is exactly what the police look for if you are pulled over for a traffic stop.
Over the long term, drinking can reduce some of the areas of your brain in size. Too quick of alcohol withdrawal can lead to very serious seizures and mental delirium. Damage to your nervous system can result in pain, numbness, or abnormal sensations in your feet and hands. Drinking an excess amount can cause a vitamin B1 deficiency, which can result in uncontrolled eye movements. Or even weakness or paralysis of the eye muscles and other serious vision problems.
It can be fatal to stop heavy alcohol consumption too quickly
Over a period of time, alcoholics can become physically and emotionally dependent on this drug. When an abuser 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 this chemical and 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 a digestive track is damaged from drinking, the body can literally be starving even if eating 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.
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 bloods 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 life insurance premiums
- Super Preferred – For above average healthy applicants.
- Preferred – For healthy applicants that 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.
How we shop the market for applicants that drink to a high degree
We first make notes pertaining to what kind of alcoholic drinks our client use. Also how much do they consume on a daily basis. After we know the answers to these questions we run a medical pre-screen using this information along with any health conditions. Our client may have to multiple insurance companies to see who will offer us the lowest rates. Without carefully pre-screening our client, we could never guarantee the lowest rates possible. This is one of the reasons we are successful in finding our applicants the best life insurance plan design.
Life insurance for heavy alcohol drinkers can get more expensive than the casual drinkers because of the added health risks. Our quoting system will provide you with the best online life insurance quotes. In many cases we can help keep you out of a high risk life insurance rate classification. This is accomplished by using the most applicable life insurance company.
Applying for the best rates without a medical exam can be an option to consider
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. You can get some of the best life insurance rates with no medical exam life insurance. A fully underwritten policy normally takes between a month to six weeks to approve.
Connect with an independent agent that specializes in life insurance
The best tip I can give you is to work with an independent insurance agent and let him do all the leg work for you. The best part is it does not cost you a dime to have a professional shop the market for you. Your agent can generate immediate life insurance quotes for you with the best life insurance companies. Trying to shop for your own life insurance by yourself will turn out to be a confusing ordeal.
There is just too much to know to try to do it on your own. Everyones number one goal is to get the best life insurance rates possible. The independent agents have the training and the experience to make the job simple. We would be happy to help you with no cost or obligation. You can compare the best online life insurance quotes on our websites quote engine.
Activate our quoting system and see for yourself who has the lowest rates, you may be surprised
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 low cost term life insurance.
Our final thoughts on the subject
If you consume alcohol on a regular basis and you would like to apply for life insurance. Don’t hesitate to grab the phone and give us a call today. We can be reached by telephone toll free by calling 800-897-5699 7 days a week. Our many years of experience can get you pointed in the right direction in a matter of minutes. There is no cost or obligation for our help.
All the best,
Many thanks to expert resources: National Institute on Alcohol Abuse