Better life insurance for drug users


When a life insurance provider reviews policy applications, it seeks to assess each applicant’s risk, or rather the likelihood that the applicant will die while the policy is in force. Risk factors usually include age, medical condition and in some cases, specific lifestyle choices When an insurer finds lifestyle choices disclosed on your claim that could have a negative impact on your health, such as smoking tobacco or drinking alcohol , it may offer you a higher premium or deny your request altogether. If you are currently using illegal drugs, you could probably be refused.

However, if you’re dishonest about your life insurance proposal, your provider may cancel your policy or increase your premium if they find out you’ve lied about using drugs in the past, for example. If you are due for a medical exam, you will likely also be tested for current drug use. Any intentionally false statement on your part could lead to immediate refusal. It’s okay to be honest about your past if you have an addiction problem. Most life insurers will want you to have been clean for a minimum period of time, but this varies by insurer.

Life insurance for drug users

If you are using medication, your life insurance provider will generally consider you a higher risk to insure. For insurers, the problem is mainly related to health problems related to drug use. For example, smoking tobacco shortens life expectancy at least 10 years, According to the CDC. And alcohol consumption is associated with major diseases such as cirrhosis of the liver and cardiovascular disease, with a greater risk of fatal car accidents.

Due to the risks associated with the practice, it is understandable that life insurance companies would like to be informed of a candidate’s drug use.

If you have been in rehab in the past or are still clean, you may have to wait to request a life insurance policy until that part of your life is old enough that you are eligible for coverage. Each insurance provider has different standards, but you may need at least a few years between your last period of rehabilitation and when you applied for life insurance.

Prescription drugs

Some prescription drugs won’t affect your life insurance claim in one way or another, but there are others that insurers see as increased risk. In particular, insurers can look for:

  • Drug treatment for drug addiction: Medications used for the treatment of opioid dependence, such as suboxone, can raise a red flag on your life insurance application and increase your premium.
  • Pain relievers and muscle relaxants: These orders are usually temporary, you may want to wait until you stop applying them. Given the risk of addiction and death when combined with alcohol, disclosure of these regular uses of these prescriptions may result in a higher premium, but it’s best to be honest with your request.
  • Prescription cannabis: If prescribed, you will likely need to explain the underlying issues that caused your use of the prescription medicine. Depending on the state you live in and the specific policies of the provider, this can have a positive or negative effect on rates.

Other prescriptions, such as mental health medications, diabetes medications, and HIV medications, may also increase your premium, as the underlying conditions associated with these medications can lead to premature death. If in doubt, be transparent with the provider about your request and speak to an agent to find out what impact your prescriptions may have on rates or eligibility.


If you only smoke recreationally a few times a year, you can still get the lowest rates from some marijuana-friendly life insurance providers. In some cases, you can be ranked based on your frequency of use, so if it’s occasional, you can still get good rates. On the other hand, if you smoke marijuana on a daily basis, you may be classified as a tobacco smoker, which will usually result in higher premiums.

Illicit drugs

Drugs like heroin and cocaine are illegal for many reasons, not the least of which is due to the increased health and safety risks associated with drug abuse. Even decades after treatment, former heroin users have shortened life expectancy, according to the National Institutes of Health. If you have spent time in a rehab center to treat your addiction, you will need to disclose your past drug use, which may result in higher premiums. However, some insurers can still cover you if you have been clean for several years.

Insurers will not, in most cases, cover current illicit drug users. If you are currently taking illicit drugs or abusing therapeutic drugs that were not prescribed for you, you will likely be immediately refused by a life insurance company.

What to do if you are denied life insurance because of drug use

If you are currently on medication, you will likely need to refrain from medication and avoid taking medication for a few years or more before an insurer covers you. But if you are coping with your addiction and have been sober for years, keep in mind that each insurer rates your information a little differently when assessing your risk. One insurer may require you to be drug free for five years, while others might say two years.

Even if you haven’t been turned down, it’s wise to compare quotes from a few other life insurance providers to keep your insurance costs low since each insurance company will provide a different premium. It can be difficult to determine which company will have the most favorable rates for your situation until you compare.

Frequently Asked Questions

What is the best life insurance company?

The best life insurance company for you will depend on a number of factors, including your coverage needs and your personalized premium amount, as well as whether or not you qualify for a factor. AT find the best supplier for you it may be useful to calculate your life insurance needs, then choose a handful of providers who can provide the type of coverage you want. Or, you can start by looking for insurers who will be more forgiving of your individual health issues, including past addictions.

Will my life insurance company pay if I die of a drug overdose?

It depends on the provider and the type of policy you have, as well as the specific circumstances of the overdose. Typically, life insurance companies will pay your beneficiaries if you die from an accident, including accidental drug overdose. However, if it is proven that your drug overdose was intentional, your beneficiaries may not get the death benefit in some cases. There is usually a period, usually the first two years after purchasing a policy, when suicide will not be specifically covered. Talk to an agent when looking for vendors to find out how each handles these types of situations.

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