Shopping for life insurance for alcohol drinkers that consume a high volumes of alcohol, can sometimes get complicated. Millions of people in the United States drink alcoholic beverages and sometimes abuse alcohol. It is very easy to do since a person can find themselves drinking everyday a little more at a time. It slowly but surely can get out of control. Sooner or later these folks will want to purchase life insurance and hope they can qualify for low rates. Keep in mind that this is a form of high risk life insurance. It takes a little bit more work to secure the best life insurance rates.
A large percentage of todays alcohol drinkers have some form of chemical dependency.
Recent studies have shown that 55% of adult Americans have some form of alcohol abuse in their medical history. Before we talk about how to shop for life insurance when using alcohol. Let’s talk about how it effects the human body and how the life insurance companies view alcohol. 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 alcohol drinkers once you apply.
An alcohol marker test can determine an individuals alcohol consumption.
I will show you how to successfully apply and be approved for an excellent life insurance product. Even if you get a little carried away with consuming alcohol. We just about all including myself have done this at one point or another. Heavy drinkers and alcoholics can usually purchase affordable Term life insurance with no problem. Most of the time we normally run medical pre-screens to see what company would offer the lowest rates. The best life insurance companies we work with offer affordable life insurance for alcohol drinkers.
Alcohol is multi-billion dollar business in the United States and wherever we go we find it easily available.
Alcohol is found in many forms of drinks such as beer, wine, liquor, 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 alcohol percentage is. The last problem you need is to be having a drink containing alcohol and not even knowing it.
You could find yourself driving a car while you have consumed alcohol 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. Alcohol is actually a powerful depressant just as strong as many chemical barbiturates.
A person’s brain is basically a computer to make everything on your body to work in unison. A 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 alcohol everything begins to shut down. Eventually a person could pass out or die if enough alcohol has been consumed.
Here are some of the most common questions we are asked:
*Does life insurance for alcohol drinkers actually cover an alcohol related death?
*Is there an alcohol life insurance test?
*Is there a life insurance alcohol questionnaire?
*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?
Take a look at how alcohol is abusive to the human body. This is exactly how the life insurers look at alcohol and your health.
Anytime you drink alcohol, 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 that people that drink. The worry is their drinking habits will increase over time. Applying for life insurance for alcohol drinkers can takes some experience on your agents part.
*Pancreas Problems and Damage
*Possible Onset of Diabetes
*Lack of Coordination Issues
*Passing Out (sudden blackouts)
*Becoming Totally Addicted to Alcohol
*Major Chronic Fatigue
*Becoming Infertile for Women
*Severe Liver Damage
*Slurring of the Speech
*Malnutrition from Not Eating Properly
*Heart Destruction from Heart Valves to Cardiomyopathy
*Birth Defects in Women Having Babies
How Drinking Alcohol Medically Effects the Human Body:
Very small quantities of alcohol still have a negative effect on your body. Whenever you drink, alcohol is quickly absorbed into your bloodstream and distributed throughout your whole body. A minimal amount of alcohol 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 the alcohol, you will get smashed. How quickly alcohol 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 of alcohol abuse are many, putting your health in danger every time you drink. This all comes in the picture when applying for life insurance for alcohol drinkers.
Your Body Has Its Own 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 alcohol 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 alcohol 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 from alcohol abuse 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 alcohol you consume. Alcohol 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 alcohol and take much longer to process it.
Your pancreas is one of your most important organs, take care of it!
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 alcohol 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 and its Effect on Your Central Nervous System:
The first signs they see from a person who just consumed alcohol 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 of alcohol 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.
Alcohol users have to become aware of serious side effects from stopping their drinking habits to quickly. They can actually be fatal.
Over a period of time, a serious alcohol user can become physically and emotionally dependent on this drug. When an alcohol 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
Alcohol vs. Your Digestive System, the negative effects:
Alcohol can cause major problems with your digestive system also. All it takes is a onetime event to injure important areas of your digestive system.
Alcohol 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 track is damaged by drinking alcohol, your body will literally be starving even though you might be eating properly.
Alcohol makes it harder for your digestive tract to absorb nutrients and B vitamins or control bacteria. Alcoholics often suffer from malnutrition. heavy alcohol 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 alcohol withdrawal may include nausea and vomiting a dangerously high blood pressure readings.
Your Body’s Immune System:
An immune system weakened by alcohol abuse 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. Chronic alcohol use increases your risk of many forms of cancer.
Your 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 alcohol 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 alcohol is no exception. If you control your alcohol intake you will probably never have a problem. The life insurance industry takes a very serious look at alcohol use. Mainly because it could lead to death if a person fails to limit their consumption.
Here are the main rate classes the life insurance companies use to determine your best life insurance rates.
*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. Sometimes a number scale is used which goes from the number 1 all the way down to number 10.
These number and letter classes signify that the rates are going to be reflected as higher than the normal. Medical problems can drive up the letter and number rating scale.
Here is how we shop the market for our clients that drink larger amounts of alcoholic beverages regulary.
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 pre-screen 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 classification. This is accomplished by using the most applicable life insurance company.
Applying for the best life insurance rates with no medical exam can be a great 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. A fully underwritten policy normally takes between a month to six weeks to approve.
Connect with an independent insurance agent that specializes in life insurance and do it the easy way.
The best tip I can give you is to work with an independent 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 compare the best term life insurance quotes online in less than a minute.
If you are ready to start comparing plans designs and premiums, complete the form on the right side of this page and you can begin comparing the lowest rates from the most competitive companies in your state. All of the best life insurance quotes 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.
We can help take the confusion out of purchasing life insurance and ensure you receive the best rates.
Shopping for life insurance for alcohol drinkers can seem overwhelming. There are a lot of variables to stop and consider and you want to make sure that you’re always making the correct decision. Contact us today and we will answer all your questions over the phone, we’re here to help you find the best policy at the lowest rates.
We can be reached via phone, toll-free, by calling 800-897-5699 7 days a week.
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