Life Insurance for Alcoholics : How to Get Approved with the Best Rates in 2025 + YouTube Video
Applying for life insurance for alcoholics can sometimes feel overwhelming, but it shouldn’t be. With the help of an experienced agent, you can usually get approved at very affordable rates.
Insurers evaluate
their applicants based on numerous factors, including health, lifestyle, and medical history.
If you’ve undergone treatment or are in recovery, such as participating in rehabilitation programs or attending support groups like Alcoholics Anonymous, these efforts can positively impact your application.
It shows a commitment to maintaining sobriety and improving your overall well-being.
This guide will explain everything you need to know to apply, improve your eligibility and feel confident about taking the next steps. Just keep reading and you will see just how simple it is to apply for life insurance for alcoholics.
Table of Contents
An Insurer’s Perspective on Alcoholism
Alcoholism is a condition characterized by an inability to control or stop drinking despite the negative impact it has on personal, professional, and social aspects of life.
Alcoholism affects physical and mental health, leading to conditions such as liver damage, heart disease, and depression. For insurance companies, this increased risk elevates premiums or may result in application denials.
To accurately assess applicants, insurers rely on detailed medical evaluations and records that factor in alcohol-related health risks. Understanding these risks is the first step in overcoming potential roadblocks to getting life insurance for recovering alcoholics.
Can Alcoholics Get Life Insurance?
Does Alcohol Use Affect Life Insurance?
To insurance companies, alcohol use represents a risk factor that can impact life expectancy. Here is why alcohol use affects life insurance applications:
Health Impacts of Excessive Alcohol Use:
Excessive alcohol consumption can lead to a variety of health issues, many of which have long-term consequences. Chronic alcohol use is associated with conditions such as liver disease, high blood pressure, and an increased risk of certain cancers. Life insurance for heavy drinkers will depend on many different variables.
It can also contribute to mental health disorders and weaken the immune system, making individuals more vulnerable to illnesses. From an insurer’s perspective, these health risks translate to a higher likelihood of claims, which is why alcohol use is closely examined during the underwriting process.
By addressing potential risks through lifestyle changes or seeking help for alcohol dependency, individuals can improve their health outcomes and make themselves more eligible for favorable insurance rates.
Lifestyle Concerns:
History of DUIs or alcohol-related accidents raises red flags.
Mortality Rates:
Statistics link excessive drinking to shorter lifespans, making insuring alcoholics more expensive for insurers.
Applications for individuals with AUD tend to face closer scrutiny, but this doesn’t mean coverage is unattainable. Many insurers are willing to work with individuals who demonstrate sobriety or are making proactive choices regarding their health.
CDT Testing & How It Works
CDT is assessed by analyzing a sample of a person’s blood. Individuals who abstain from alcohol or consume it in minimal amounts will exhibit significantly lower levels of carbohydrate-deficient transferrin in their blood. 
In addition, individuals who consumed five or more alcoholic beverages daily for a minimum of five days each week for approximately two weeks prior to testing will exhibit significantly elevated levels of CDT.
The CDT test is a reliable method for detecting heavy alcohol consumption. When an individual reduces or stops their drinking, their CDT levels naturally decline as well.
If heavy drinking resumes, the levels will increase significantly. This test serves as a gauge for measuring alcohol consumption and remains detectable in the body for an extended period.
How Much Does Life Insurance Cost for Alcoholics?
Be advised that these are sample rates:
Life insurance premiums for individuals with Alcohol Use Disorder (AUD) can vary significantly based on several factors, including the severity of the condition, overall health, age, and whether or not the individual has made progress toward sobriety. Below are some sample rates to provide a general idea of what to expect:
Life Insurance for Recovering Alcoholics:
If the applicant has been sober for 2+ years with no severe health complications, a 40-year-old male with a standard 20-year term life insurance policy worth $500,000 might pay between $50 to $70 per month. Rates tend to align more closely with standard policies if evidence of sustained sobriety is provided.
Active Alcoholics:
If the applicant is actively drinking or has a minimal recovery history, the rates are typically going to be much higher or coverage may possibly be declined. For those offered coverage, this same 40-year-old male policyholder could face premiums upwards of $150 to $300 per month or more, depending on related health risks.
High-Risk Cases:
If the applicant has had multiple DUIs or severe liver damage, the health classification may fall into the high-risk substandard category. These policies are significantly more expensive, with monthly premiums averaging around $300 to $500+, assuming coverage is even approved by the insurer.
It’s important to note that every insurer evaluates applicants differently, and some specialize in working with individuals who have complex health histories. Shopping around and working with a knowledgeable agent can be essential to finding the most affordable and appropriate coverage.
Best Life Insurance Companies for Alcoholics
While securing life insurance with a history of alcoholism can be challenging, there are several companies known for their more flexible underwriting practices and willingness to evaluate each applicant on a case-by-case basis. Here are a few reputable insurers that may be a good starting point:
Prudential:
Prudential is recognized for its comprehensive underwriting approach, considering the unique circumstances of each applicant. They are known to work with individuals who have shown long-term sobriety and have taken active steps to improve their overall health.
John Hancock:
John Hancock offers a variety of life insurance products and is often willing to consider applicants with a history of AUD, particularly if they can demonstrate sustained recovery and healthy lifestyle changes.
Mutual of Omaha:
This is a carrier that has a reputation for being understanding of individuals with a history of health challenges. Mutual of Omaha may provide coverage options for those who can provide evidence of recovery and ongoing sobriety.
AIG American General:
AIG is known for offering policies to individuals with diverse health conditions. They may consider applicants with a history of AUD, especially if the individual has completed treatment and has a stable recovery history.
Protective Life Insurance:
With a reputation for affordable rates and a thorough underwriting approach, Protective Life evaluates sober applicants who have made a demonstrated effort to improve their overall health.
Lincoln Financial Group:
Lincoln Financial is another strong contender for individuals with a history of AUD. They tend to take a more individualized approach and give weight to medical documentation, treatment history, and commitment to sobriety.
*The best life insurance company for someone with a history of alcohol use will depend on their specific circumstances, including their recovery timeline, medical records, and lifestyle improvements.
It’s always wise to work with an independent insurance agent or broker who specializes in high-risk applicants to find the best options.
Steps to Improve Eligibility for Life Insurance
While applying for life insurance as an alcoholic can be more complex, there are clear steps you can take to improve your eligibility and potentially secure lower premiums:
Prioritize Sobriety:
Most insurers require a sustained period of sobriety, typically ranging between 2 to 5 years, before approving applications. The longer you remain sober, the better your chances of qualifying for affordable premiums. If you’re just starting your recovery, guaranteed issue life insurance may be an option until you meet standard eligibility criteria.
Pursue Treatment and Counseling:
Demonstrating a commitment to recovery through participation in a treatment program or support groups like Alcoholics Anonymous (AA) can improve your application. Insurers view such efforts positively, as they signify responsibility and progress.
Complete Regular Health Checkups:
Prove you’re in good health by scheduling routine, documented medical checkups. These records will help insurers assess your improvement and mitigate concerns about alcohol-related conditions.
Be Transparent:
Honesty is critical when applying for life insurance. Insurers will investigate your driving record, medical history, and other reports. Provide accurate answers to questions about your alcohol consumption to avoid being flagged for insurance fraud, which could result in outright denial.
Work with an Independent Insurance Agent:
Independent agents have access to numerous life insurance providers and can guide you toward insurers that specialize in high-risk applicants. Their expertise increases your chances of finding a policy tailored to your situation.
Types of Policies for Alcoholics
Depending on your circumstances, some types of life insurance may be more suitable for you than others. Below are the commonly available options:
Term Life Insurance:
- Term life insurance coverage lasts for a set term (10, 20, 30 to 40 years).
- Often the most affordable option.
- Best suited for individuals with a documented sobriety period of at least 2–5 years.
Universal Life Insurance:
- Universal life provides lifelong coverage and includes a cash value component.
- Premiums are higher than with term policies but remain fixed.
Guaranteed Issue Life Insurance:
- No medical exam is required, and anyone qualifies regardless of alcohol use.
- Offers lower death benefits (up to $25,000) for guaranteed issue policies.
- Ideal for those currently struggling with AUD or unable to qualify for traditional policies.
Simplified Issue Life Insurance:
- There are no medical exams, but applicants must answer basic health questions.
- A good option for those with mild health concerns related to alcohol use.
How to Apply for Life Insurance With a Medical Condition: YouTube Video
How to Apply for Life Insurance for Alcoholics
Applying for life insurance as an individual with a history of alcoholism requires careful preparation. Follow these steps to simplify the process:
Step 1: Research the Right Providers
Not all insurance companies handle high-risk applicants the same way. Companies like Prudential, Pacific Life, and Protective are known for offering policies tailored to individuals with a history of substance use. Use rate comparison tools to explore options.
Step 2: Insurers with Request Medical Documents
All relevant medical records, including diagnoses, test results, and proof of any treatment you’ve received. Insurers may require these to assess your current health status.
Step 3: Complete the Medical Exam
Most applications include a medical exam that involves urine and blood tests. These tests identify alcohol consumption and check for alcohol-related health concerns.
Step 4: Disclose Your History
Be honest about your alcohol use on the application. Answer questions about your habits, treatment, length of sobriety, and any alcohol-related incidents in your past (like DUIs).
Step 5: Include Evidence of Recovery
Submit supporting details about your recovery efforts, including certificates of treatment completion or participation in support groups. Highlighting positive lifestyle changes can make a significant difference in underwriting decisions.
Step 6: Lean on an Expert
Partner with an independent agent experienced in securing life insurance for high-risk applicants. They can help you present your case effectively to insurers.
Resources for Support and Guidance
Recovering from alcoholism and navigating life insurance can be an overwhelming experience. Below are some resources to support you along the way:
- National Institute on Alcohol Abuse and Alcoholism (NIAAA): Comprehensive information on AUD and treatment.
-
Substance Abuse and Mental Health Services Administration (SAMHSA):
Resources for finding treatment programs nationwide.
- Alcoholics Anonymous (AA): Support groups and community resources for individuals in recovery.
- Independent Insurance Agents: Such as us.
Use our quote engine to compare rates from over 40 top-rated life insurance companies.
Alcohol Questionnaire
If you are interested in getting an accurate rate quote, please click on this link to download our alcohol-questionnaire. You can either discuss it with us by phone, email it or fax it back to us and we will be able to
provide you with an accurate projection of what your rates will be.
The degree of your alcohol consumption and any possible health conditions are very important when applying for life insurance for alcohol users.
Our Contact Us page contains our email address and fax number. Don’t hesitate to let us know if you have any questions. We are available seven days a week!
Take the First Step Toward Getting Covered
Securing life insurance for alcoholics is a step-by-step process, but it’s far from impossible. By prioritizing your recovery, being transparent with insurers, and partnering with experts, you can find a policy that fits your needs.
For personalized guidance, call us and speak to one of our independent agents at 708-334-6226. We’ll help you explore your options and secure coverage tailored to your unique situation. Get started today by using our quote engine to compare rates from over 40 life insurance carriers.
Your past doesn’t define your future. Take control of your financial security, one step at a time.
All the best,
Jack Venturi
