Burial Insurance with Alcohol Abuse

Getting approved for burial insurance with alcohol abuse can be tricky. The problem lies with most insurance companies wanting to see a successful history of sobriety before approving a policy to a recovering alcoholic. If you need a guide to walk you through the application process, call us. We have plenty of experience helping alcoholics find affordable insurance.

By now you may have already discovered that qualifying for burial insurance with alcohol abuse can be pretty difficult.

All too often you will find that most carriers have strict underwriting guidelines for current or recovering alcoholics. The simple truth is if you are a current alcoholic you will be charged a higher premium and you cannot escape a waiting period.

This article is written for alcoholics and recovering alcoholics looking to obtain burial insurance. We will describe how alcohol abuse would affect your ability to qualify for burial insurance.

We will also cover how burial insurance companies to find affordable burial insurance and give you a few tips if you are looking for burial insurance with a history of alcohol abuse.

Our job at Funeral Funds is to find you the best carrier based on your specific situation. We can place you with burial insurance companies that cater to those alcoholics and in recovery. Let’s get to work on getting you the coverage you need.









Alcohol abuse also called alcohol dependence, alcohol addiction, alcohol misuse, and alcoholism. It’s a disease characterized by unhealthy drinking behaviors. It includes binge drinking and alcohol dependence.

Alcoholics have an increased risk of mortality from lifestyle and health issues brought by alcohol abuse. Alcohol abuse can cause depression, liver failure, and risky behavior like DUI. That’s why insurance companies care about alcohol abuse!

Alcohol abuse can impact your premiums because of these reasons.

Alcohol Abuse Statistics

  • 15.1 million American adults ages 18 and older had alcohol use disorder. This includes 9.8 million men & 5.3 million women.
  • About 6.7% of adults who had alcohol use disorder in the past year received treatment for their condition.
  • An estimated 623,000 adolescents ages 12 to 17 had alcohol use disorder. This includes 298,000 males and 325,000 females.
  • An estimated 88,000 number of people die from alcohol-related causes every year (making alcohol consumption the third leading preventable cause of death in the country).
  • Alcohol-impaired driving (DUI) casualties accounted for 9,967 deaths in 2014.

The effects of alcohol on your health

Excessive alcohol consumption over time can cause numerous health issues, chronic diseases, social problems, and neurological impairments including but not limited to:

  • Stroke, dementia, and neuropathy
  • Liver diseases including alcoholic hepatitis, fatty liver, and cirrhosis
  • Cardiovascular problems including myocardial infarction, hypertension, cardiomyopathy, and atrial fibrillation
  • Increased risk for many kinds of cancers including, mouth, throat, larynx, liver, and esophagus
  • Gastrointestinal problems, including pancreatitis and gastritis
  • Psychiatric issues including anxiety, depression, and suicide
  • Family problems, violence, fights, and homicide
  • Unintentional injuries such as vehicle crashes, drowning, falls, burns and firearm injuries.

All of these health issues are of great concern to insurance companies, and almost all of them will ask about them before approving you for a burial insurance policy.


Have you been told you can’t get approved for burial insurance with alcohol abuse, or have you been denied for life insurance because of it?

If so, you used the wrong agent or applied to the wrong insurance company. It is important to understand that you can always get some type of burial insurance coverage even with a history of alcohol abuse or drug abuse.

The trick to getting affordable burial insurance is knowing where to apply and avoiding insurance companies that are unwilling to write a policy that they consider to be high-risk life insurance due to the applicant’s past alcohol abuse.

Applying for burial insurance with a history of alcohol abuse will be easier if you can maintain sobriety over time.

But, if you can’t stop your excessive alcohol consumption, there are still some options open for you. We will help you get approved for coverage.


Alcohol abuse and addiction can be damaging to your overall health and life expectancy.

Anything the increases your risk of early death makes the insurance companies put you in a higher risk category. For this reason, life insurance companies take a history of alcohol abuse very seriously.

What are the situations and behaviors that life insurance carriers find risky because of alcohol abuse?

  • Death caused by driving under the influence of alcohol
  • Adverse health effects due to excessive alcohol consumption
  • Alcohol can impair your judgment which may lead to accidental death
  • Participating in dangerous or risky activities and sports under the influence of alcohol.
  • You are more likely to participate in criminal activities that may shorten your lifespan.

Most burial insurance companies are concerned with recent alcohol abuse diagnoses. Most carriers only look past several years to determine if alcohol abuse will affect your insurability.

Every burial insurance company will ask about alcohol abuse in their health questionnaire.

Here’s a sample question you can find in burial insurance application:

“Within the past 2 years, have you been diagnosed, treated, taken medication for, or had a doctor recommend treatment for excessive use of alcohol?”

If you can honestly answer this question “no” and you have no other health issues, your application will be automatically be approved (assuming you have no other serious health issues).

If you have never been diagnosed by a medical professional for alcoholism within the past two years, you can answer this question with a “no.”

Most burial insurance companies define treatment when a patient request advice or counsel from a medical professional, even if he has already received a diagnosis. For instance, you currently see a psychiatrist to help manage your addiction even when your diagnosis occurred several years ago.

If a doctor recommended any kind of treatment within the last two years, (some carriers consider Alcoholics Anonymous as treatment) even if you have not started the treatment, you must answer “yes” to the alcohol abuse question.

Burial insurance companies will also check your prescription history. If you are prescribed Naltrexone, Suboxone, or any prescribed medication to reduce alcohol cravings, then you will be considered as someone with an alcohol abuse issue. You must answer “yes” to the alcohol abuse question.

Life Insurance, Funeral Insurance, Final Expense Insurance, Burial Insurance With Alcohol Abuse Infographics


No matter how you answer the alcohol abuse health questions, you will still qualify for some type of burial insurance.

It is essential to understand that there are three types of alcoholics when it comes to burial insurance:

  • Those who are still currently alcoholics
  • Those who maintain sobriety for less than 2 years
  • Those who have been sober for over 2 years

Let’s take a look at each type of alcoholic and determine what types of options are available to each.

If your alcohol abuse occurred within the past year

If your alcohol abuse is within the past year or you still continue to use alcohol, you will not qualify for a level death benefit. A guaranteed issue life insurance policy is your best option for coverage.

A guaranteed issue life insurance with no medical exam or health questions means not having to produce medical records from your doctor’s office.

Current alcoholics can find this option an excellent route to take. The application process is simple and straightforward with approvals between 24 to 48 hours.

If your alcohol abuse occurred within the past 12 to 24 months

If you were diagnosed or recommended for treatment of alcohol abuse within the past 12 to 24 months, you would qualify for partial first-day coverage burial insurance.

Graded death benefit offers partial coverage for the first two years before the policy is in force. It is the next death benefit to go for if you cannot qualify for level death benefit because of alcohol abuse.

If you pass away in the first year, your beneficiary will receive 30-40% of the death benefit.

If you pass during the second year your beneficiary will receive 70-80% of the death benefit. 100% of the death benefit will be paid to your beneficiary if you die in the third year of the policy.

If your alcohol abuse diagnosis, recommendation for treatment or treatment is beyond 24 months

Many life insurance companies offering burial insurance will allow you to qualify for immediate full coverage if it has been 24 months or longer since diagnosis, recommendation for treatment and treatment occurred.

Level death benefit offers immediate full coverage on the first day. It is the best burial insurance death benefit that you can get without a waiting period. Your beneficiary will receive your full death benefit whenever you pass away.


If you drink alcohol and consume it responsibly, we can help you find amazingly affordable burial insurance.

At Funeral Funds, we are experts in finding the best companies based on your history of alcohol abuse. We won’t judge you instead we will help you find the solution to your life insurance needs. We will help you find the best burial insurance you can qualify for.

We work with many A-rated life insurance companies, and we will shop your case with them simultaneously to get which burial insurance company is the best for your needs. You can save time and avoid the hassle of calling dozens of life insurance companies.

Funeral Funds has years of experience getting clients with alcohol abuse history get life insurance coverage.


Trying to find a policy with alcohol abuse needn’t be a frustrating process, but working with an independent agency like Funeral Funds will make the process easier and quicker.

If you have a health history with alcohol abuse, let us help you; we will work with you side by side to find a plan that fits your needs.

We will work with you every step of the way to find the plan that fits your financial requirements and budget. You need not waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.

We will shop your case to different insurance carriers and get you the best price.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you.  We will search all those companies to get the best rate. We will match you up with the best burial insurance company that gives the best rate.

We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for funeral or burial insurance with alcohol abuse in your medical history, we can help.

Fill out our quote form on this page or call us at (888) 862-9456 and we can give you an accurate quote.


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