Yes, if you declare drug use to your insurer, it’s likely this will impact your ability to secure cover.
While it may seem tempting to withhold this information, this can have a negative effect in the long run as your cover could be deemed invalid if drug use is found out.
Honesty is essential in securing the right cover and insurers won’t judge you for any current or previous drug use.
There are two types of drug use that will need to be declared to insurers at the point of application:
- Use of prescription drugs
- Use of recreational drugs
Prescription drugs are drugs that are taken for medical purposes and that are prescribed by a medical professional.
Recreational drugs are drugs that are taken without medical requirement for leisure purposes.
Any form of drug use will need to be declared, whether it’s prescription or recreational, otherwise, any cover may become invalid when it comes to making a claim.
It's unlikely that declaring prescription drugs will prevent you from securing life cover, but what impact will declaring recreational drug use have?
Keep reading to get answers to the commonly asked questions regarding life insurance for drug users...
Impartial expert help from Reassured
It may be nerve-wracking to discuss your drug use with others, but rest assured that insurers are not here to judge.
Any questions asked about your drug usage are only to determine the level of risk you may pose to the insurer.
Using a broker service, like the one we provide at Reassured, gives you the opportunity to ask any questions you may have about securing cover.
Our award-winning service is FCA regulated and we don’t charge a fee for life insurance quotes.