Life insurance
for alcoholics

Alcohol abuse refers to someone who drinks an excessive amount.

This can be on an infrequent basis and their body isn't dependant on it.

Generally speaking, whilst you're considered to be consuming an excessive amount of alcohol if you have over 15 drinks a week, insurers don’t tend to require you undergo a medical exam if your weekly consumption is 40 units or less a week.

However, different insurers have different alcohol thresholds, therefore it pays to compare multiple quotes.

When cover is offered, it may also be that death caused as an act of alcohol abuse is excluded, in which instance a pay out wouldn't be made.

At Reassured, our team of experts will be able to assess your alcohol consumption and present you with insurers who are able to provide you cover.

Unfortunately, when life becomes hard alcohol can provide a means of escape. But this can potentially lead to alcohol misuse.

If you already have life insurance in place, any change to your alcohol consumption following the start of your policy won't affect the cover you have in place.

Life insurance and premiums are based on your circumstances at the point of arrangement. Therefore, any changes which occur thereafter won't be taken into account.

Term life insurance provides cover for a specified length of time and if you pass away during this period a lump sum is paid out.

As discussed, if still alcohol dependant, it's highly likely you'll be declined any form of life insurance, (including term cover).

However, if sober for a specified amount of time, you may be eligible to obtain term-based life cover.

The length of this sobriety period will vary depending on the insurer, sometimes as long as 5 years.

At Reassured, we compare quotes from a wide range of providers and are able to help you obtain cover for as little as 12 months sober.

Simply get in touch today to help identify your best policy option.

Over 50s life insurance provides guaranteed acceptance for all UK residents aged 50-85, without the need to supply any medical information.

As a result, it's ideal for anyone within this age range who has suffered medical conditions or is struggling to get cover due to alcohol misuse.

It does, however, come with a waiting period of up to 2 years at the start of the policy.

This means, if you die within this initial period, all premiums paid in will be refunded but no pay out issued.

Therefore, you should consider this if your medical ailments are particularly serious or you're drinking extremely high levels.

At Reassured we can give you all the information you need to understand the available options, enabling you to make an informed decision.

At Reassured, all life policies (except over 50s) come with the option to add critical illness cover for an additional cost.

If diagnosed with a non-life-threatening illness, this early pay out can be used to help fund necessary adaptations to your home, replace a lost income or simply to enjoy with family.

Your ability to obtain critical illness will be based on your individual alcohol consumption and some exclusions may be added to the cover, meaning that certain ailments caused as a result of alcohol may not be covered, e.g. blindness.

It's also likely that your premiums for critical illness cover will be highly inflated.

Get in touch with Reassured and we'll review your options and work tirelessly to find you a great deal.

Alcoholism will only void your life insurance if it’s found that you weren’t truthful about your consumption at the point of application.

If you drink heavily, it may be tempting to lie about your alcohol consumption when applying for life insurance.

This is known in the insurance industry as non-disclosure.

Whilst this could make it more likely to secure lower premiums, it may result in your selfless investment being wasted and a pay out being denied.

Today’s science enables vigorous testing for alcohol use, and therefore if upon your death you're discovered to have lied about your consumption, it's possible for your policy to be deemed invalid.

As a result, it's important to be forthcoming and truthful about all aspects of your life when arranging your cover.

If you're struggling with alcohol addiction or feel your drinking is getting out of control, it's imperative you seek help.

[1] https://alcoholchange.org.uk/alcohol-facts/fact-sheets/alcohol-statistics