Life insurance and alcohol related issues
Usually moderate alcohol consumption will not be an issue for life insurers. However, if you have health problems that are compounded by alcohol then life insurers will need to take this into account when deciding whether to offer terms and at the premium to charge.
You will need to provide details of your main health issues as well as details of how much alcohol you consume.
This information is relevant for conditions related to alcohol. If you are or have previously suffered from alcoholism then we have created a dedicated page and enquiry form for Alcoholism.
Make a Life Insurance Enquiry
If you need a specialist underwriter.
For some conditions it may be more difficult to find Life Insurance if you are continuing to drink at any level.
However, Pulse specialise in considering your health as a whole alongside any other specific conditions and needs into account and finding you Life Insurance cover, if it is available.
Key details you should provide
We use our knowledge and experience to find a solution when other Life Insurers have declined to quote.
Our Life Insurance underwriters will require a detailed understanding including:-
- Details of your alcohol consumption
- What affect this has on your overall health
- Whether alcohol consumption affects any medication you may be taking
- Whether alcohol consumption affects your treatment
If a Medical Report from your doctor is required, we will discuss this with you when you enquire.
Why Pulse Insurance?
- Pulse Insurance have been focused on finding unusual cover since 1998
- We strive to offer a caring and sensitive service
- We are knowledgeable insurance professionals who work as a team
- We provide a personal service to guide you through
- If we cannot help, it will not be for the want of trying or know-how
While finding cover for everyone is not always possible and the premium will be higher to reflect your increased risk, we like to think we are good at helping people find the cover they need.
It is always important to declare your alcohol consumption and any other medical conditions completely.
Your Personal & Medical Details
Everything you disclose about your alcohol consumption and any underlying conditions to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.
Life cover is issued based on a “snapshot” of your health. Once your policy has been issued, neither your premium or your cover will be adversely affected if your health subsequently worsens.
Requirements for more information
As you have a medical condition, it is possible that underwriters will need to seek a Doctor’s report or for you to undergo medical examinations, blood tests or other tests that will confirm your health to allow them to quote an accurate premium and confirm cover details. The costs involved in obtaining the medical information are usually paid by the underwriter, but if not, you will be informed before they are requested.
Pulse will never sell your details to anyone. We will use your details to provide the service you have asked for according to the permissions you grant us– read our Privacy and Data Protection policy in full.
If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication.
n.b. Do not worry if you don’t have any medical reports as they are not usually needed to give an indication of cover / cost.
It may be necessary anyway for separate specific medical reports to be sought if you decide to proceed with an application.
If you have any queries, please give a member of the team a call on 01280 841430.
Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.
- Beyond Life Insurance
- More Life Insurance
The reasons you may need life cover may be simple or complex, but having the right cover brings peace of mind for you and your family.