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Life insurance after Drug Use

Overview

Life Insurance is very rarely available for those who are active drug users.

Life Insurance may be however available from standard insurers if you have only been a recreational user of Marijuana in the past.

If you previously used any other recreational drugs, then you may often be declined by mainstream insurers.

Pulse specialise in finding cover when others decline, so while we cannot find cover for all, if you have now abstained completely for a period (see below), then your health and any side effects from previous drug use will be taken into consideration by our underwriters.

Typically, the time before cover may be available will vary according to the drug use:

  • Ecstasy – if a one-off - 1 year since last use
  • Cannabis – 1 year since last use
  • Cocaine – 3 years since last use
  • Heroin – 5 years since last use
  • Multiple drug use – 5 years  since last use of any drug
In addition underwriters will usually exclude drug use from the scope of the life cover.

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 take drugs at any level. However, if you are stopping or have stopped using drugs, then at some point, Life Insurance cover may be available, even if you have sustained some permanent health damage or have suffered from mental health issues.

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

 

Key Issues after Drug Use

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 using or dependent on drugs
  • The type of drugs you took and how they were used
  • Any permanent damage to your health 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 many cases of past Drug Use, 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 Drug Use and any other medical conditions completely.

 

Your Personal & Medical Details

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

 

Your Health

Your Pulse underwriting specialist will look to gain a detailed picture of your health and past Drug Use and you should take care to disclose everything. These factors will be explicitly considered when determining the premium, you would pay.

 

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 Drug Use 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.

Will Pulse cover me?

Have you ceased using drugs?

Yes

Have you been "Drug free" for more than 12 months?

No

If you have been drug free for a shorter period of time, it will not usually be possible to arrange Life Insurance.

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
Yes

If you have been drug free for some time now and you have no permanent health impact, it may be possible to arrange Life Insurance with a mainstream insurer.

If you have been declined or used drugs other than simply marijuana, you should submit an enquiry to Pulse. Typically underwriters will want to wait a period of time before offering cover and the time will vary according to the drug use:

  • Ecstasy – if a one-off - 1 year since last use
  • Cannabis – 1 year since last use
  • Cocaine – 3 years since last use
  • Heroin – 5 years since last use
  • Multiple drug use – 5 years  since last use of any drug
In addition underwriters will usually exclude drug use from the scope of the life cover.
 

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 - I am still using Drugs

It is not usually possible for us to obtain Life Insurance for you until you have ceased drug use.

Start Again

Need help? Call us on: 01280 841430