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Life Insurance for Alcoholics

Life Insurance for Alcoholics | The Definitive New Guide for [2022]

 Applying for life insurance for alcoholics or recovering alcoholics islife insurance for alcoholics no longer a complicated process using the propers insurers. If you are a drinker and would like to apply for life insurance, take a few minutes to read this blog post. You will learn how to shop for the best rates, apply, and get approved with the best life insurance products available. 

Find out how the life insurance companies observe applicants who use alcoholic beverages. Also, what they look for on an application and what could get your application declined after you apply. 



Can Alcoholics Get Life Insurance?

The short answer here would be yes along with the same situation for recovering alcoholics. The question I hear 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 consume each day.

Just because you consume hard liquor or a lot of beer regularly and you drink quite a bit, you may not be addicted. You may just be considered a heavy drinker that hopefully is still in good health. A heavy drinker with drinking-related medical conditions will be another story altogether. This will indicate there are drinking-related medical problems that have already started and will probably get worse.


Can Being a Heavy Drinker Affect My Life Insurance Rates?

Anytime you drink alcohol in excess and you are planning on applying for life insurance for alcoholics. Your rates are bound to go up to some degree depending again on how much do you drink and has your current health has been affected. Your assigned health classification otherwise known as your rate classification is what determines what your premiums are going to be.


Does Life Insurance Cover Alcoholism?

If you apply for life insurance and you answer your alcohol-related question honestly. Alcoholism can be covered under the policy assuming you are approved and a policy is placed in force. If you were not honest with your answers and you misrepresented yourself by lying on your application, that will become a problem.

A claim may not be covered due to the omission you deliberately made on your application. This is why it is crucial, to be honest at all times and always tell the truth. Lying on an application is a recipe for disaster when it comes to any type of insurance application, not just life insurance.

Approximately 29 people in the United States meet their deaths in drunk driving wrecks each day in United States. Alcohol-related deaths exceed 10,000 each year!

Does Life Insurance Cover Alcohol-Related Deaths?

Yes, a life insurance policy will pay out your death benefit if you die from an alcohol-related death such as cirrhosis of the liver, heart attack, stroke, and alcohol poisoning for example. Many times people will purchase life insurance and not have any dependency at all. As the years go by they start drinking and become very heavy drinkers. The life insurance policy they purchased years ago will payout with no problem.

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

Alcohol is the third medical-related cause of death in America. A shocking 95,000 people die from related deaths each year. This breaks down to 27,000 females and 68,000 males.


How Can I Purchase Life Insurance for Alcoholics?

The first task at hand is an easy one that will save you a lot of time and money. This is to first connect with an independent agent also known as a broker. Your agent will end up doing about 90% of all the work for you with no cost or obligation. The first job your agent will do is run a simple but thorough medical pre-screen of your alcohol use and your health history to start the ball rolling. This will also help to eliminate any surprises later after your application has been submitted.

Your agent will then help you choose the most applicable company to apply with and then get you set up with a simple and quick telephone application. Every step of the way will be assisted by your agent to make your application process simple.   


Life Insurance for Recovering Alcoholics

When I talk about an actual heavy drinker. I refer to people that consume an extremely high degree of alcohol and this is usually done daily. If you look at yourself as an alcohol abuser, you may be addicted to this chemical. This puts you into a much higher life insurance risk rate classification.

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


Heavy Drinking and Suicide Attempts

The statistics indicate that alcoholics are 120 times more likely to commit suicide than those who have no 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 were found with alcohol in their system. Suicide is found to be very common with heavy drinkers and that is another huge risk for life insurance companies.

If you are a heavy drinker and want to apply for life insurance after a suicide attempt. There is a very weak possibility your application will be approved. Probably your only choice will be a guaranteed issue life insurance product.


How Do the Carriers Look at Alcohol Consumption?

Anytime you drink, this drug is immediately absorbed into your bloodstream and affects every single part of your body. As time goes by this can put your health at serious risk and even inflict death. 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 a very important test to measure a person’s body and its dependency and degree of alcohol use.  Transferrin is a very important protein substance found in the blood that carries valuable iron to the bone marrow, liver, and spleen. A CDT test is a very important test to measure transferrin in the bloodstream. 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 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 harmful amounts of alcoholic beverages. CDT testing is very commonly used by doctors and life insurance companies.

How Does a CDT Test Work?

CDT is measured by taking a sample of an individual’s blood. Those who do not consume alcohol 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 before the testing will have CDT at much higher levels. 

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. This test acts as a fuel gauge for the amount of alcohol consumed and is still left in the body.


What Are the Medical Tests for Alcohol Dependency?

Other than the very common and well know CDT test. These four other tests below can reflect more solid information used 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


Rate Classes and Your Premiums

  • Preferred Best – For above-average healthy applicants. These are the very best class you can be assigned. About 10% of all applicants qualify for preferred best rates.
  • Preferred – For healthy applicants that may have minor health conditions. For example, some conditions such as high blood pressure or high cholesterol controlled by drugs can fall into a preferred classification.
  • Standard Plus – For relatively healthy applicants that may have multiple or slightly more serious conditions.
  • Standard – This class is for applicants that may have several more serious medical conditions.
  • Substandard Classes – Substandard health classes can use table ratings which normally begin with A and goes down to the letter J. Some companies will use the number system which would be 1-10. For example “Standard Rate Table B” or “Standard Rate Table 2”. See our blog post on rate classifications for more information.


Term Life Insurance for Alcoholics

The first question someone shopping for life insurance for alcoholics is going to ask is, how much will life insurance cost. Many variables determine an applicant’s premium. The plan design choice to start with will be affordable term life insurance. The term will cost a fraction of any other plan design. You have to take into consideration that your premium will probably be increased by your specific drinking habits.

When you add that extra cost factor into the picture, term life insurance will be your only logical choice. Universal life which is an excellent permanent plan design will end up costing you much more and will not be cost-effective unless you have a very large budget to work with.


How Would a DUI or DWI Affect My Application?

If your driving record indicates you have been arrested for a DUI (driving while intoxicated) or a DWI (driving whilebest life insurance for alcoholics intoxicated) depending on what state you live in. This could easily spell a decline right from the very beginning. The last straw when applying for life insurance is a history of heavy drinking and driving drunk both on an application.


What is No Medical Exam Life Insurance? 

If you are planning on applying for life insurance for alcoholics, consider the no medical exam options to you. If you go this route. you will not have to take a physical exam at all. Purchasing non-med plan designs normally mean 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.

Quite a few people that apply for life insurance for alcoholics 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 still get some of the very good life insurance rates with no medical exam life insurance but they are a little more expensive. A fully underwritten policy normally takes between a month to six weeks to approve.

How Can I Compare the Best Life Insurance Quotes for Alcoholics?

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 from over 40 life insurance companies are displayed on our instant quoting system. We can give you a more accurate quote if you have any health concerns by giving us a call. We utilize over 40 life insurance companies to make sure you receive the lowest rates possible. 

You will find that affordable term life insurance will be the most cost-effective with no close second. 

In Conclusion

If you are looking for the best life insurance for alcoholics, we’ve got you covered. There is never any cost to apply and there is no obligation. Check out our let’s get started webpage for more useful information on life insurance and the application process. Making sure you get the best life insurance with the lowest premiums is our goal because our reputation depends on it. Thanks for reading this blog post, I hope it has answered many of your questions.

You may contact us 7 days a week 9:00 AM to 9:00 PM

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 for alcoholics can be a little more challenging and the more you know the better before you apply.


Jack Venturi Independent Life Insurance Agent

Jack Venturi

Independent agent and founder of

Jack Venturi has over 30 years of experience selling all forms of individual and commercial insurance including Property & Casualty, Health, Disability and Life insurance. Jack has helped thousands of people all across the United States purchase the best life insurance products at the lowest possible premiums over the phone (800)-897-5699 and online.