2022 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.

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.

This article is written for alcoholics and recovering alcoholics looking to purchase burial insurance. We will describe how alcohol abuse would affect your ability to qualify for burial insurance and how to find affordable burial insurance with a history of alcohol abuse.

FOR EASIER NAVIGATION:

WHAT IS MY BEST INSURANCE OPTION IF I HAVE A HISTORY OF ALCOHOL ABUSE?

Your ability to qualify for burial insurance with alcohol abuse will depend on the amount of time that has passed since your alcohol abuse diagnosis, the recommendation for treatment, and if you are currently being treated.


IF YOUR DIAGNOSIS OR TREATMENT IS LONGER THAN 2 YEARS AGO

Many life insurance companies offering burial insurance will allow you to qualify for a level death benefit plan with first-day coverage if it has been 24 months or longer since diagnosis, the recommendation for treatment, and treatment occurred.

If this is the case with you, you will qualify for the level death benefit that offers immediate full coverage on the first day. It does not have a waiting period and your beneficiary will receive your full death benefit when you pass away.

Best Option: Level death benefit plan with first-day coverage


DIAGNOSED, RECOMMENDED FOR TREATMENT, OR BEING TREATED FOR ALCOHOL ABUSE IS WITHIN THE PAST 24 MONTHS

If you were diagnosed or recommended for treatment of alcohol abuse within the past 24 months, you would qualify for a first-day benefit plan.

The first-day benefit plan will cover you from the first day and your death benefit will be phased in over time.

Best Option: First-day benefit plan


WHAT TYPES OF BURIAL INSURANCE SHOULD I AVOID?

PLANS TO AVOIDWHY?
Term lifePremiums increase after 5 years. Coverage ends after 80.
Pre-paid funeral plansExpensive
Universal lifeTied with stocks
No health questions policiesWith 2-year waiting period
Plans offering "teaser rates"$9.95 per unit plans or $1 buys $100,000 coverage
Over priced plansInsurance from TV and junk mail
Plans that accept mail-in paymentsRisky
Plans that accept Direct ExpressHigh lapse rate
Plans that accept Credit CardsHigh lapse rate


WHAT TYPE OF BURIAL INSURANCE IS BEST?

FUNERAL FUNDS PLAN BENEFITSINCLUDED
1st Day CoverageYES
Rates NEVER IncreaseYES
Coverage NEVER DecreasesYES
Easy to get approvedYES
No Medical ExamYES
Same Day ApprovalYES
Death Claims Pay FastYES
Builds cash valueYES
Coverage Up To Age 121 YES


IF I HAVE ALCOHOL ABUSE, DO I NEED A MEDICAL EXAM TO QUALIFY FOR BURIAL INSURANCE?

You are NOT required to take a medical exam to qualify for burial insurance with alcohol abuse.

When you apply for burial insurance, you only have to answer some basic questions about your health. The application process is simple, and you don’t need to provide medical records or blood and urine samples.

You’ll get the official approval from the insurance company often within minutes!


BURIAL INSURANCE UNDERWRITING IF YOU HAVE ALCOHOL ABUSE

Burial insurance companies have two ways of underwriting:

FIRST – They may ask you a series of health questions. Your answers to their questions will determine your eligibility.

SECOND – They will electronically review your prescription history to verify your health.

Alcohol abuse and addiction can be damaging to your overall health and life expectancy that’s why life insurance companies want to know about it.

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

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

  • During the past 24 months, have you been advised to have diagnostic testing, for which the result has not been received, or been advised to have treatment or counseling for alcohol abuse?
  • Within the last 2 years have you been, treated for, been advised by a medical professional to have treatment for, or excessively used, alcohol or any drugs of abuse?
  • Within the past 2 years have you had, or been diagnosed with, received, or been advised to receive treatment or medication for alcohol or drug abuse?

Most burial insurance companies define treatment when a patient requests 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 insurance companies consider Alcoholics Anonymous as treatment) even if you have not started the treatment, you must answer “yes” to the alcohol abuse question.


PRESCRIPTION HISTORY CHECK

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.

If you are taking prescription medication for alcohol abuse, you must answer “yes” to the alcohol abuse question.


HOW MUCH INSURANCE DO I NEED IF I HAVE AN ALCOHOL ABUSE HISTORY?

The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.

The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.

Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.

AVERAGE FUNERAL COST WITH VIEWING AND BURIAL
Non-declinable basic services$2,300
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,050
Use of facilities for viewing & funeral ceremony$965
Hearse$325
Service car/van$150
Basic memorial printed package$183
Metal casket$2,500
Vault$1,572
Median Cost of a Funeral With Viewing and Burial$9,420
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION
Non-declinable basic services fee$2,300
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,050
Use of facilities for viewing & funeral ceremony$965
Service car/van$150
Basic memorial printed package$183
Cremation fee (if firm uses a third-party crematory)$368
Cremation Casket$1,310
Urn$295
Median Cost of a Funeral with Viewing and Cremation$6,970
Rental Casket$995
Alternate Cremation Container$150


HOW SHOULD I PAY MY PREMIUMS?

The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month and you don’t need to worry about your policy lapsing due to non-payment.


ALCOHOL ABUSE AND BURIAL INSURANCE RIDERS

Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while other riders can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.

Here’s a list of common burial insurance riders:

FUNERAL FUNDS ADD-ONSAVAILABILITY
Terminal Illness Add-On BenefitIncluded with most plans
Nursing Home Care Add-On BenefitIncluded with most plans


HOW TO GET THE BEST BURIAL INSURANCE RATES FOR ALCOHOLICS

To get lower rates on burial insurance with alcohol abuse, it’s critical to work with an experienced independent insurance agency like Funeral Funds which represents multiple insurance companies. Instead of having to do the research and calling the companies yourself, let us help you through the process. Working with us is like working with 40 companies all at once. This is the quickest way to find the cheapest burial insurance.

At Funeral Funds, we are experts in finding the best companies based on your history of alcohol abuse. We will help you find the lowest-priced burial insurance you can qualify for.


BENEFITS OF BURIAL & FUNERAL INSURANCE

Here are some of the benefits of purchasing a burial or funeral policy:

  • No medical exam or doctor’s visit is required – easy to get approved.
  • Ease of issue – easy to qualify and get insurance coverage.
  • No Money Down to get approved – have your policy start whenever you want.
  • Level premium – your premium will never increase.
  • Fixed death benefit – your death benefit will never decrease for any reason.
  • Permanent protection – your policy can not be canceled by the life insurance company as long as you continue to pay your premiums.
  • Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death
  • Cash value builds up – burial insurance is a whole life policy that builds cash value over time.


OTHER COMMON USES FOR FINAL EXPENSE LIFE INSURANCE WITH ALCOHOL ABUSE

All of these examples are appropriate uses for Final Expense Life Insurance:

  • Burial insurance plan with alcohol abuse
  • Cremation insurance plan with alcohol abuse
  • Funeral home insurance plan with alcohol abuse
  • Final Expense insurance plan with alcohol abuse
  • Prepaid funeral plan insurance with alcohol abuse
  • Mortgage payment protection plan with alcohol abuse
  • Mortgage payoff life insurance plan with alcohol abuse
  • Deceased spouse’s income replacement plan with alcohol abuse
  • Legacy insurance gift plan to family or loved ones with alcohol abuse
  • Medical or doctor bill life insurance plan with alcohol abuse

We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.


HOW CAN FUNERAL FUNDS HELP ME?

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

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 work with many A+ rated insurance carriers that specialized in covering high-risk clients like you.  We will search all those companies and 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.

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

ADDITIONAL QUESTIONS & ANSWERS ON BURIAL INSURANCE WITH ALCOHOL ABUSE


What is considered alcohol abuse in insurance?

It can vary depending on the insurance company. However, most insurance companies consider alcohol abuse if you are advised by a physician to have treatment or alcohol counseling because of excessive alcohol use.


Do I qualify for life insurance if I’m an alcoholic?

Yes, your ability to qualify for life insurance if you’re an alcoholic will depend on the amount of time that has passed since your alcohol abuse diagnosis, the recommendation for treatment, and if you are currently being treated.


Will my alcohol use affect my life insurance policy?

It may, a recent alcohol abuse diagnosis and treatment will not affect or change anything about any current policies you have.


What is the number one cause of death for alcoholics?

The number one cause of death for alcoholics is liver disease. Other causes of death include cancer, heart disease, and stroke.


Can Alcoholism cause sudden death?

Yes, alcoholism can lead to sudden death due to a number of complications, including liver disease, heart disease, stroke, or accidents. It is important to seek treatment for alcoholism if you are at risk of sudden death.


Does life insurance pay out for an alcohol-related death?

It depends on the insurance policy and the circumstances surrounding the death. In most cases, life insurance will pay out for an alcohol-related death if it was linked to another pre-existing condition.


Can I buy life insurance if I am recovering from alcohol addiction?

Yes, you may be able to qualify for life insurance with some plans if you are in recovery from alcohol addiction.


Will my alcohol treatment affect life insurance?

It may, depending on the treatment and insurance company. Some insurers will require a two-year waiting period for those with an alcohol addiction diagnosis and treatment.


What is the standard life insurance policy for alcoholics?

The standard life insurance policy for alcoholics is a guaranteed issue life insurance policy with a two-year waiting period. If you maintain sobriety for two years or longer, you can now qualify for a first-day coverage plan.


Will life insurance payout for liver failure due to alcohol?

Yes, if it is determined that the alcohol abuse led to liver failure and death, life insurance may payout. This will depend on the specific circumstances and insurance policy.


Can I qualify for life insurance after rehab?

Yes, you may be able to qualify for life insurance after rehab. However, most life insurance companies will require you to be sober for two years before they will offer a first-day coverage plan.


What is the life insurance waiting period for alcoholics?

The life insurance waiting period for alcoholics can range from first-day benefits to plans that have two-year waiting periods.


Can you get burial insurance as a recovering alcoholic?

Yes, you may be able to qualify for burial insurance as a recovering alcoholic if you have been sober for a certain period of time and have completed all required treatment.


Do I need to tell insurance about my substance abuse?

It depends on the insurance company and your specific situation. If you have a substance abuse disorder and are seeking life insurance, it is generally recommended that you disclose this information, as it may impact your eligibility and the terms of your policy.


Can alcohol abuse affect my life insurance rates?

Yes, alcohol abuse can affect your life insurance rates.


What are the things that may affect my eligibility I abuse alcohol?

Some of the factors that may affect your eligibility for life insurance if you abuse alcohol include the amount of time since the diagnosis and treatment, the recommendation for treatment, and your current health status.


What is the waiting period for life insurance if I’m currently an alcoholic?

There is typically a range from first-day benefits (best case scenario) to a two-year waiting period (worst case scenario) before an alcoholic will qualify for insurance coverage.


Do I qualify for final expense insurance if I have a history of alcohol abuse?

Yes, the type of policy you will qualify for will depend on a number of factors, including the amount of time since your diagnosis and treatment, your current health status, and the recommendation for treatment.


Do I need to take a medical exam if I have a history of alcohol abuse? 

No, you will not need to take a medical exam.


Can you get first-day coverage insurance if I’m undergoing alcohol abuse treatment?

You can get first-day benefits in some cases if you are currently undergoing alcohol abuse treatment.


What are the benefits of burial insurance if I use alcohol?

Some of the benefits of burial insurance if you use alcohol include that it can help cover funeral expenses and other final expenses. It can also help your


Is there an age limit for burial insurance with alcohol abuse?

Most life insurance companies accept applicants who are 18-85 years old.


How long do I need to be sober to qualify for a first-day coverage plan?

Some insurance companies require that you be sober for at least two years before you can qualify for a first-day coverage plan.


What is the waiting period for life insurance if I’m currently on alcohol abuse treatment?

There is typically a two-year waiting period before you can qualify for life insurance if you are currently on alcohol abuse treatment.


What is my best insurance option if I’m an alcoholic?

The best insurance option for an alcoholic will vary depending on a number of factors, including the amount of time since your diagnosis and treatment, your current health status, and the recommendation for treatment.


Do I qualify for cremation insurance if I have a history of substance abuse? 

Yes, you may qualify for cremation insurance if you have a history of substance abuse.


What is the average cost of life insurance for someone with an alcohol abuse history?

The average cost of life insurance for someone with an alcohol abuse history will depend on a number of factors, including the amount and type of coverage you need, your age, health, and lifestyle.


What are the tips for getting life insurance with alcohol abuse?

Some tips for getting life insurance with alcohol abuse include being honest about your disorder, seeking treatment, and maintaining sobriety. You should also be sure to work with experienced and knowledgeable life insurance agents from Funeral Funds who can help you navigate the application process.

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