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How to Find the Best Life Insurance for Alcoholics

Obtaining Life Insurance for Alcoholics and Heavy Drinkers: Strategies and Tips for [2024]

Are you looking for life insurance coverage but worried about your alcoholism being a barrier? At our agency, welife insurance for recovering alcoholics understand that everyone’s journey is unique, and that includes those who may struggle with alcoholism.

That’s why we offer a simple and straightforward solution for individuals like yourself who want to apply for life insurance for alcoholics.

With over 40 of the most competitive life insurance companies on board, we provide term life insurance without the need for a medical exam.       

Our goal is to make the process of obtaining life insurance as simple and accessible as possible. We believe that your past struggles with alcoholism shouldn’t prevent you from protecting your loved ones and securing their future.

We have partnered with the highest rated life insurance providers who are willing to offer coverage tailored to your needs without the stress of taking a medical exam.

Don’t let being a heavy drinker hold you back from securing the financial protection your family deserves. Take the first step towards peace of mind by requesting a quote today.

Keep reading this step-by-step guide to learn more about how to apply for life insurance, get approved and receive the lowest rates. Get started and ensure financial protection for your loved ones.        



Can Recovering Alcoholics Buy Life Insurance? 

Life insurance coverage for alcoholics is determined on a case-by-case situation.

The short answer here would be yes, along with the same situation for life insurance for recovering alcoholics. The question I hearalcoholics life insurance regularly is, can alcoholics get life insurance? The answer to these questions can sometimes go either way.

It will depend on how much alcohol you currently consume each day.

Just because you consume hard liquor or a high degree of beer on a regular basis, you may not be considered addicted. You may just be considered a heavy drinker who, hopefully, is still in good health.

A heavy drinker with a drinking-related medical condition will be another story altogether. This indicates drinking-related medical problems that have already started and will probably worsen.

Applying for life insurance for moderate drinkers is less time consuming and usually ends up with lower overall premiums because the risk is much lower.


Does My Heavy Alcohol Use Have an Effect on My Insurance Rates?

The underwriting process for life insurance applicants with a past of alcohol addiction or heavy drinking involves an assessment of the effects of excessive alcohol on their health.

Anytime you drink a high volume of alcohol and plan to apply for life insurance, your rates will be affected or your application can even be declined.

Your rates can increase depending on how much alcohol you drink and whether your current health has been affected. Alcohol use will affect your health classification, otherwise known as your rate class.

Your rate class will determine your premiums once your application has been approved. Life insurance for heavy drinkers is considered high risk due to the damage alcohol causes throughout the years.


Does Life Insurance Cover Alcoholism?

Life insurance protection is granted to alcoholics and drinkers whose applications have been successfully processed.

If you purchase your life insurance before any heavy drinking issues and then later become an alcoholic, your alcoholism will be covered. If you apply for new coverage and you disclose your history of drinking on the new application, honestly, and are approved, you will also be covered.

If you are dishonest with your answers on the application and misrepresent yourself, that will become a claims issue if you die from an alcohol related death.

An insurance company may not cover a death claim due to an omission you deliberately made on your application. Therefore, it is crucial to be honest, and always tell the truth. Lying on an application is a disaster for any insurance application, not just life insurance.

Approximately 11,000 people in the US die annually in drunk driving incidents.

Will Life Insurance Cover Alcohol-Related Deaths?

Life insurance will normally cover alcohol-related deaths if by natural causes or accidental.

Yes, a life insurance policy will pay your death benefit if you die from an alcohol-related death, such as liver cirrhosis, heart attack, stroke, alcohol poisoning and alcohol related auto accidents. People will often purchase life insurance and not have any dependency at all.

Instead, they start drinking and become heavy drinkers as the year progresses. The life insurance policy they bought years ago will be paid for with no problem.

Suppose you are an occasional drinker before a new application. Make sure you answer all the questions about drinking that are answered honestly. Just answer the questions on the application without adding any additional information unless you are asked for more details.

Alcohol is the third medical-related cause of death in America. Did you know that 95,000 people die from related deaths each year? This statistic breaks down to 27,000 females and 68,000 males.


Life Insurance for Alcoholics: How to Get Approved

There are many life insurance options for alcoholics, get an experienced agent such as ourselves to explore them .

The first task to save time and money is straightforward. Connect with an independent agent, also known as a broker. Your agent will do about 90% of the work for you without cost or obligation.

First, your agent’s job is to run a simple but health assessment of your alcohol use and health history. This will also help eliminate any surprises after submitting your application.

We can help you choose the most applicable company to apply with and set you up with a quick and simple telephone application and assist you every step of the way in making your application process a breeze. You can definitely find affordable life insurance for alcoholics. 


How to Buy Life Insurance for Recovering Alcoholics?

When I speak about an actual heavy drinker, I refer to people who consume a large amount of alcohol each day. If you look at yourself as an alcohol abuser, you may be addicted to this chemical.

Your high volume of alcohol consumption puts you into a much higher life insurance rate classification. You should contact an independent insurance agent like ourselves to review your history of alcohol use and show you your options.

Don’t just jump in and apply before pre-screening your health and degree of use. The help you receive from your agent can either make or break your application.


Alcohol Abuse and Suicide Attempts

The statistics indicate that alcoholics are 120 times more likely to commit suicide than those who have nolife insurance for alcohol users chemical dependency on the drug at all.

The national average is someone in the United States tries to commit suicide every 40 seconds.

Also, 29% of all suicide victims in this country had alcohol in their system.

Suicide is prevalent among heavy drinkers, another huge risk for life insurance companies.

Suppose you are a heavy drinker and apply for life insurance after a suicide attempt. There is a slim possibility that your application will be approved. Your only option would normally be to apply for a guaranteed issued life insurance product.


Understanding Insurance Companies’ Stance on Alcohol Use?

Due to the long-standing connection between alcohol consumption and significant health problems, insurance companies approach this issue with caution.

Anytime you drink, this drug is immediately absorbed into your bloodstream and affects every single part of your body. This can put your health at severe risk and even cause death as time goes by.

Life insurance companies are always concerned about a vast number of medical conditions now or in the future, such as:

  • Pancreas Problems and Damage
  • Possible Onset of Diabetes
  • Lack of Coordination Issues
  • Passing Out (sudden blackouts)
  • Vision Problems
  • Becoming 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
  • Alcohol-Related Birth Defects in Women Having Babies


What is a CDT Test?

A CDT test is simply a blood test to determine how much alcohol a person drinks and the effects it has on the individual’s health.

A CDT test is essential to measure a person’s body and its dependency and degree of alcohol use. Transferrin is a vital protein substance in the blood that carries valuable iron to the bone marrow, liver, and spleen.

A CDT test is a necessary test to measure transferrin in the bloodstream. When someone drinks in excess, it drastically increases certain types of transferrin that are carbohydrate-deficient.

When 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 Important? 

CDT stands for Carbohydrate Deficient Transferrin which measures the degree of alcohol use. A significant study that used CDT testing among patients with hypertension and diabetes found 804 patients were involved in the study.

Over 11 percent of people with diabetes and 17 percent of those with hypertension drank harmful amounts of alcoholic beverages. As a result, doctors and life insurance companies commonly use CDT testing. These tests will help you find the best life insurance quotes for drinkers.


How Does a CDT Test Work?

CDT is a measurement by taking a sample of an individual’s blood. Those who do not consume alcohol or use smalllife insurance for alcoholics and drinkers quantities will have much lower carbohydrate-deficient transferrin test levels in their bloodstream.

On the other hand, people who drink five or more drinks a day for at least five days a week for approximately two weeks before the testing will have CDT at much higher levels. 

CDT testing accurately detects individuals who are drinking heavily. If the person stops drinking or slows down, the CDT levels will also decrease.

Then if they start drinking heavily again, the levels will rise to a high degree. This test acts as a fuel gage for the amount of alcohol consumed and is still evident in the body.


Tips for Getting Approved When Applying for Alcoholic Life Insurance

Showing that you are doing your part to improve your health goes a long way with the underwriters.

A person that drinks heavily or is a total alcoholic, can show insurance company underwriters that they are making a strong attempt to stop drinking and improve their health. Here are some of the best ways that can be done:

  • Applying for life insurance for alcoholics in recovery programs.
  • Applying for life insurance for alcoholics in AA membership
  • Applying for life insurance for alcoholics in treatment facilities.
  • Applying for life insurance for alcoholics in detoxification
  • Applying for life insurance for alcoholics in support groups
  • Applying for life insurance for alcoholics in therapy & counseling
  • Applying for life insurance for alcoholics in rehab


What Are the Medical Tests for Alcohol Dependency?

Other than the very common and well known CDT test. The four other tests below can reflect more reliable information to determine alcohol dependency and a drinker’s health status.

  • Gamma-Glutamyl Transferase (GGT) Test
  • Ethyl Glucuronide (EtG) Test
  • Alanine Aminotransferase (ALT) Test
  • Aspartate Aminotransferase (AST) Test


Health Classifications and How They Affect Your Premiums

The health classification you receive is a key factor in setting your insurance rates.

Getting the best health classification possible should always be the primary goal of getting the best life insurance rates.

Preferred Best:

Preferred Best is the best classification possible, and it’s for above-average healthy applicants. These are the very best classes you can be assigned. About 10% of all applicants qualify for the preferred best rates.


 Preferred Non-Tobacco is an excellent rate class for healthy applicants that may have minor health conditions. For example, some diseases like high blood pressure or high cholesterol controlled by drugs can fall into a preferred classification.

Standard Plus:

Standard Plus is a rate class for relatively healthy applicants with multiple or more severe conditions.


This class is similar to standard plus but for applicants with several more serious medical conditions.

Substandard Classes:

Substandard health classes can use table ratings which generally begin with an A and go down to the letter J. Some companies will use the number system, 1-10. For example, “Standard Rate Table B” or “Standard Rate Table 2”. See our blog post on rate classification for more information.


Should Alcoholics Consider Term Life Insurance as a Suitable Option?

Term life insurance is the clear preference for individuals with alcohol habits and heavy drinking, given its cost-effectiveness.

The first question someone shopping for life insurance for alcoholics will ask is, how much will life insurance cost? Many variables determine an applicant’s premium. The plan design choice to focus on will be affordable term life insurance.

Term plans will cost a fraction of any other plan design. It would help if you considered that your specific drinking habits would probably increase your premium.

Term life insurance will be your only logical choice when adding that extra cost factor. On the other hand, universal life, an excellent permanent plan design, will cost you much more and will not be cost-effective unless you have a huge budget.


Should I Consider Joining Alcoholics Anonymous?

Consulting with a group like Alcoholics Anonymous for assistance is a recommended approach. During their meetings, you can converse with individuals dealing with alcohol dependency and those in recovery, offering you a chance to learn from their experiences in controlling their drinking habits.

Alcoholics Anonymous is a beneficial organization with a vast degree of experience. Alcoholics Anonymous also has a large staff of professional counselors that can show you how to control your drinking habits and answer all your questions.

There is nothing wrong with alcohol consumption as long as you can keep it under control and limit your use of alcoholic beverages.


How Does a DUI or DWI Record Affect the Application Process?

Recent alcohol-related driving convictions can cause an application to be declined.

If your driving record shows that you have been arrested for a DUI, your application could be declined. Statistics show that hundreds of people are killed each year by operating a motor vehicle while intoxicated. life insurance for heavy drinkers

When applying for life insurance, the last straw is a history of heavy drinking and driving drunk on an application.

Life insurance companies do not like the idea of an intoxicated individual knowing they have been drinking but still deciding to get behind the wheel.

This tells them that the driver will jeopardize other people’s lives. If they will drive drunk, who knows what else they can do?


What is “No Medical Exam” Life Insurance?

No-Medical-Exam life insurance will only be an option if you are in good health.

If you plan on applying for life insurance for alcoholics, consider the non-medical exam options if you go this route. You will not have to take a physical exam at all.

In addition, purchasing non-med plan designs typically means not having to produce medical records from your doctor’s office. All of the best life insurance companies have this option with your choice of plan designs.

A few people who apply for life insurance for alcoholics find this an excellent route. The turnaround time can also be very quick, 24 to 48 hours. 

You can still get excellent life insurance rates with no medical exam life insurance, but they are a little more expensive. A fully underwritten policy typically takes a month to six weeks to approve.

What’s the Procedure for Securing the Best Life Insurance Rates for Alcoholics?

If you are ready to start comparing plan designs and premiums. You can begin comparing the lowest rates from the most competitive companies in your state.

Our instant quoting system displays the best rates from over 40 life insurance companies.

In addition, we can give you a more accurate quote if you have any health concerns by calling us. You will find that affordable term life insurance will be the most cost-effective with no close second. 

Our Final Thoughts

If you are an alcoholic or a recovering alcoholic, we can help you get the best life insurance rates. There is never any costlife insurance for recovering alcoholics to apply, and there is no obligation.

We work with the most alcohol-friendly carriers to provide the best rates and approvals for heavy alcohol users.

Thank you for reading this blog post; I hope it has answered many of your questions.

All the best,
Jack Venturi

*For any questions you might have, our live chat system is at your disposal or call us at 815-390- 7545 and we will provide a quick answer.

If you have any questions about applying for life insurance for alcoholics, contact us today and let us help you with no cost or obligation. You can also set up a time at your convenience to talk.


Jack Venturi Independent Life Insurance Agent

Jack Venturi

Independent agent and founder of

Jack Venturi has over 30 years of experience educating and helping people find the best life insurance products at the lowest possible premiums over the phone (815)-390-7545 and online.

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