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Life insurance and Alcoholism

Overview

Life Insurance may be available from standard insurers if you have previously been an alcoholic or dependant on alcohol and have now abstained completely for several years and have no serious side effects from previous alcohol consumption.

However, not all standard insurers are willing to offer Life Insurance to those with a history of Alcoholism. If you have not already been declined for life cover, you could consider approaching mainstream insurers first.

Make a Life Insurance Enquiry

If you need a specialist underwriter. 

It will be very difficult to find Life Insurance if you are continuing to drink at any level.

However, if you are stopping or have stopped drinking, then at some point in your recovery Life Insurance cover may be available, even if you have sustained liver damage or have suffered any mental health issues.

Pulse specialise in taking your Alcoholism and any other specific conditions and needs into account and finding you Life Insurance cover, if it is available. 

 

Key Issues after Alcoholism

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:-

  • Length of time that you were alcohol dependent
  • Any Liver damage or other long lasting symptoms & treatment
  • Any professional advice and support you sought and “saw through”
  • Mental Health aspects including depression, suicidal thoughts or attempts
  • Any other treatment given, ongoing or planned

It is almost inevitable that we will require a Medical Report before cover can be issued. 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.

In most cases of past Alcoholism, we can offer indicative premiums and/or a sense of whether cover may be available or not early on; so you can decide how to proceed.

 

Being Transparent

It is always important to declare your Alcoholism and any other medical conditions completely.

 

Your Personal & Medical Details

Everything you disclose about your Alcoholism and any underlying conditions to any life insurer or life agent should be treated with sensitivity and appropriate levels of privacy.

 

Your Health

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

While our initial enquiry may not gather enough information to provide an indication of cost, our insurers may ask for more in depth information regarding your Alcoholism and/or any other conditions. Sometimes the details you can provide may allow them to reduce the premium they seek.

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. 

 

Medical Reports

If you have any recent or relevant medical reports, these can enable underwriters to provide a more accurate indication. 
Please send these either to medical.reports@pulse-insurance.co.uk or post them to us
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.

Additional Covers

Pulse may be able to offer covers beyond everyday Life Insurance to give you the peace of mind and protection you desire.

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.

 

For Pulse Intermediaries 

The following details may help you when competing an application for your client.

http://www.nhs.uk/conditions/alcohol-misuse/Pages/Introduction.aspx

http://www.nhs.uk/conditions/liver_disease_(alcoholic)/Pages/Introduction.aspx

http://www.nhs.uk/Livewell/alcohol/Pages/Caringforanalcoholic.aspx

http://www.al-anonuk.org.uk

http://www.adfam.org.uk

 

Related Medications / Drugs

  • Acamprosate calcium
  • Chlordiazepoxide
  • Clomethiazole
  • Diazepam
  • Disulfiram (Antabuse)
  • TNF blockers

 

Will Pulse cover me?

Have you stopped drinking or begun to control your drinking?

Yes

Have you been sober for more than 24 months?

Yes

Yes - Do you have cirrhosis or any permanent liver damage?

No

If your recovery is well underway and you have no permanent liver damage or cirrhosis, it may be possible to arrange Life Insurance with a mainstream insurer.

If you have nevertheless been declined or have another medical condition or health issue, you may wish to submit an enquiry to Pulse. 

If you need any help or would like to discuss this with us, please do not hesitate to call on 01280 841430.

Enquire now Download our Questionnaire for this Condition / Occupation / Leisure Pursuit
No

Cover is sometimes available.  Please call us to discuss your condition further.

Enquire now Download our Questionnaire for this Condition / Occupation / Leisure Pursuit

Need help? Call us on: 01280 841430