2024 Burial Insurance with Drug Abuse or Treatment
last updated on July 22, 2024You cannot qualify for first-day coverage life insurance if you have a history of drug abuse within the last two years. If you completed treatment more than two years ago, you would have the best chance of getting approved for the best insurance coverage and the best rates.
If two years have passed since the last treatment or drug use, we will be able to help you qualify for 1st-day coverage or benefits. Read on to know how you can qualify for the best plan and lowest rate.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a History of Drug Abuse?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have a Drug Abuse History, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have a Drug Abuse History
- How Much Insurance Do I Need If I Have Drug Abuse History?
- How Should I Pay My Premiums?
- Drug Abuse and Burial Insurance Riders
- Information We Need if You Have a Drug Abuse History
- What If a Life Insurance Company Rejected My Application Due to My Drug History?
- How to Get Approved If You Have a History of Drug Abuse
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with Drug Abuse History
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With Drug Abuse Or Treatment
What Is My Best Insurance Option If I Have A History Of Drug Abuse?
MARIJUANA USE
Medical and recreational marijuana use has been legalized in 33 states (when this article was written). Because of this, life insurance companies have become more lenient in their underwriting procedures for marijuana users.
Life insurance is now available for medical marijuana at smoker rates and for recreational use.
Best Option: Level death benefit plan with first-day coverage
Recreational Marijuana Use
Most frequent marijuana users can still qualify for reasonable rates, but they will likely be classified the same as tobacco smokers with higher premiums.
Best Option: Level death benefit plan with first-day coverage
Medical Marijuana Use
Medical marijuana users may have to pay higher rates if they have underlying health problems that are severe enough to raise their level of risk for premature death.
Your burial insurance eligibility if you use medical marijuana will depend on the medical condition treated with marijuana.
Medical marijuana may be used for common illnesses like high blood pressure, high cholesterol, or obesity
Best Option: Level death benefit plan with first-day coverage
Medical marijuana use for chronic and terminal illness
If you are using medical marijuana to treat chronic and terminal illnesses, your best insurance option is guaranteed issue burial insurance.
This plan does not go into effect immediately like the level death benefit. You must live for two years before your beneficiary will receive your full death benefit if you pass away from a natural cause.
If you die during the two-year waiting period, your beneficiary will only receive the full refund of all the premiums you paid plus interest which is usually 10%.
Best Option: Guaranteed issue burial insurance
HARD DRUGS
In the past, it was difficult to qualify for traditional life insurance if you currently use illegal drugs like methamphetamine, cocaine, and heroin. If you currently use hard drugs or painkillers that your doctor hasn’t prescribed, you will not qualify for a first-day coverage plan.
Before offering first-day coverage, most companies will require you to have a minimum of two to five years drug-free, without any relapse or hospitalization.
Best Option: Guaranteed issue burial insurance
SOBRIETY FOR 2 YEARS AND LONGER
Most life insurance companies strictly insure people with a history of drug abuse unless they have remained clean and sober for a minimum of two years.
Suppose you are a former drug addict and have maintained sobriety for longer than two years. In that case, you can easily qualify for level death benefit with immediate coverage and no waiting period.
It is important to remember that whether or not you may qualify for a level death benefit is completely up to the individual company. Every life insurance carrier has a different requirement than others. It is best to seek professional advice from an independent life insurance agency like Funeral Funds about your specific case.
Best Option: Level death benefit plan with first-day coverage
ILLEGAL DRUG ABUSE OR TREATMENT WITHIN THE LAST 2 YEARS
Suppose you are currently using cocaine, heroin, or crystal meth. In that case, it is going to be very difficult for you to secure first-day coverage burial insurance with current drug abuse or treatment. One of the most important factors the company will consider is if you’re still using drugs and the type of drugs you’re using.
If you’ve been diagnosed, received treatment, hospitalized, or recommended counseling or treatment within the last 2 years, you will qualify for a first-day benefit plan.
You will be covered from the first day, and your death benefit will be phased in over time.
Best Option: First-day benefit plan
If you’re currently using drugs, do not lie on your life insurance application. It is considered fraud to lie about your drug use. If you have a drug-related death within the two years contestability period, there is a good chance your insurance company will thoroughly investigate your past.
If they find out that you lied on your application, they will not pay out your death benefit to your beneficiary.
What Types Of Burial Insurance Should I Avoid?
| PLANS TO AVOID | WHY? |
|---|---|
| Term life | Premiums increase after 5 years. Coverage ends after 80. |
| Pre-paid funeral plans | Expensive |
| Universal life | Tied with stocks |
| No health questions policies | With 2-year waiting period |
| Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and junk mail |
| Plans that accept mail-in payments | Risky |
| Plans that accept Direct Express | High lapse rate |
| Plans that accept Credit Cards | High lapse rate |
What Type Of Burial Insurance Is Best?
| FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
|---|---|
| 1st Day Coverage | YES |
| Rates NEVER Increase | YES |
| Coverage NEVER Decreases | YES |
| Easy to get approved | YES |
| No Medical Exam | YES |
| Same Day Approval | YES |
| Death Claims Pay Fast | YES |
| Builds cash value | YES |
| Coverage Up To Age 121 | YES |
If I Have A Drug Abuse History, 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 drug abuse history.
When you apply for burial insurance, you only have to answer basic questions about your health. The application process is simple; 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 A Drug Abuse History
Underwriting is the process used by life insurance companies to determine your level of risk and how much they will charge you for your policy. It is part of the insurance companies’ “fact-finding” process.
Commonly used illegal drugs the insurance companies want to know about:
- Marijuana
- Methamphetamines
- Ecstasy
- Benzodiazepines
- Cocaine
- Methadone
- Opium
- Methamphetamine
- Heroin
- Crack cocaine
Commonly used legal drugs:
- Barbiturates
- Benzodiazepines
- Sleep medications
- Codeine
- Morphine
- Methadone
- Fentanyl and analogs
- Opioid pain medications
- Amphetamines
- Methylphenidate
- Dextromethorphan
There are two ways burial insurance companies underwrite your application:
#1. HEALTH QUESTIONS
Every burial insurance company with underwriting has health questions about current or past drug abuse.
For example, some insurance companies may ask about drug abuse this way:
- 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?
- During the past 24 months, have you been advised to have treatment or counseling for alcohol or drug abuse?
- Within the past 2 years, have you had, or been diagnosed with, or received or been advised to receive treatment for medication for alcohol or drug abuse, or have used illegal drugs?
If you answer yes, give the name, amount, frequency, and long you have been taking these drugs and when you last used them.
All the information you disclosed on the application is strictly private and confidential.
When you apply for life insurance, don’t worry about your drug history being used against you by law enforcement agencies because your rights are protected under HIPPA laws (Health Insurance Portability and Accountability Act 1996). HIPPA guarantees your privacy.
#2. PRESCRIPTION CHECK
Insurance companies will electronically review your prescription history to see what medications you are taking to identify any “red flags” that could indicate you are abusing your medications.
How Much Insurance Do I Need If I Have A Drug 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.
Drug 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 others 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-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included with most plans |
Information We Need If You Have A Drug Abuse History
When applying for burial or funeral insurance for drug abuse, our agent will ask you a few questions about your past. We want to know more if you’ve tried hard drugs before.
To find you the best policy and pricing, we will need to ask you a few questions:
- How long have you been using illegal drugs?
- What type of drugs have you used?
- How long have you been living a drug-free life?
- Have you ever been hospitalized due to drugs?
- Have you sought professional help or treatment to ensure sobriety?
- Have you gone to rehab? How long were you there?
- Did you relapse? If so, how many times?
- Do you have medical issues caused by drugs (heart disease or HIV)?
It is important you answer these questions honestly. Your answer will help us determine which burial insurance company will best fit your needs and offer you the lowest price.
What If A Life Insurance Company Rejected My Application Due To My Drug History?
A life insurance company may deny your life insurance application because of your past drug history.
This may happen if you have major organ damage because of drug abuse or if you have the treatment and several relapses. If this is the case with you, your best option to get insurance coverage is burial insurance or final expense life insurance without any health questions or medical exams.
If you’ve been denied a life insurance policy because of your drug addiction, it doesn’t necessarily mean you will be denied again. Life insurance for recovering drug addicts is possible. If more time has passed since your last rejection and you remain sober, you have more time to prove your sobriety.
You may have a better chance of getting approved for coverage now than when you previously applied.
How To Get Approved If You Have A History Of Drug Abuse
When applying for life insurance, be honest about your drug use. If you’ve been declined in the past, admit it.
If you had been rejected a few years ago, but now you’ve been clean and sober, you may be able to qualify for a level death benefit.
Most burial and life insurance companies require applicants to be drug-free or maintain sobriety for a minimum of two years. If you’ve been sober for several years, do not hesitate to apply for a new burial or life insurance because you have a better chance of getting approved.
For recent drug abuse, and within less than two years, you may try to apply for a policy with first-day benefits
If you’re currently using drugs, you’ll need an independent life insurance agency that can shop your case to multiple life insurance companies to get the best deal.
The best way to go is to work with a competent insurance agent regarding your drug abuse history. One of our agents in Funeral Funds will guide you to a company that is more lenient with your case.
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 if 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 Drug Abuse History
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with a drug abuse history
- Cremation insurance plan with a drug abuse history
- Funeral home insurance plan with a drug abuse history
- Final Expense insurance plan with a drug abuse history
- Prepaid funeral plan insurance with a drug abuse history
- Mortgage payment protection plan with a drug abuse history Mortgage payoff life insurance plan with a drug abuse history
- Deceased spouse’s income replacement plan with a drug abuse history
- Legacy insurance gift plan to family or loved ones with a drug abuse history
- Medical or doctor bill life insurance plan with a drug abuse history
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?
Finding a policy with a history of drug abuse needn’t be frustrating; working with an independent agency like Funeral Funds will make the process easier and quicker.
If you have a health history of drug 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 to get the policy that fits your financial requirements and budget. You don’t have to waste your precious time searching for multiple insurance companies because we will do the dirty work for you.
We will shop for life insurance carriers and get you the best price.
We work with many A+ rated insurance carriers that specialize in covering high-risk clients like you. We will search all those companies to find the lowest 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’re looking for drug abuse funeral insurance, drug abuse burial insurance, or drug abuse life insurance, we can help.
Fill out our quote form or call us at (888) 862-9456, and we can give you an accurate quote.
Additional Questions & Answers On Burial Insurance With Drug Abuse Or Treatment
What is considered drug abuse in insurance?
In insurance, drug abuse is considered the excessive and unnecessary use of drugs. It can also refer to using drugs in a way that is not medically prescribed. Drug abuse can lead to addiction and other health problems. In some cases, it can also lead to criminal activity.
What are the types of substance abuse disorders in insurance?
There are many different types of substance abuse disorders in insurance. Some of the most common include:
- Opioid Use Disorder.
- Marijuana Use Disorder.
- Nicotine Use Disorder.
- Stimulant Use Disorder.
- Sedative Use Disorder.
- Hallucinogen Use Disorder.
- Alcohol Use Disorder.
Do I qualify for life insurance if I have a history of drug abuse?
It depends on the insurance company and the type of life insurance policy you have. Some companies will not offer life insurance to someone with a history of drug abuse. Others may offer it, but with a higher premium. It is important to speak with an insurance agent to determine your options.
What are the consequences of drug abuse in insurance?
The consequences of drug abuse in insurance can be serious. Drug abuse can lead to addiction and other health problems. It can also lead to criminal activity. In some cases, it can also lead to loss of employment.
Do I qualify for life insurance if I’m undergoing drug abuse treatment?
It depends on the insurance company and the type of life insurance policy you have. Some companies will not offer life insurance to someone who is undergoing drug abuse treatment. Others may offer it, but with a higher premium. It is important to speak with an insurance agent to determine your options.
Do I qualify for burial insurance if I have a history of drug abuse?
Yes, you may qualify for burial insurance if you have a history of drug abuse. You may even qualify for a first-day coverage plan if you’ve been sober for two years or longer. It is important to speak with an insurance agent to determine your options.
Do I need to tell insurance about my drug abuse?
Yes, you need to tell insurance about your drug abuse. This is important because it will help them determine if you are eligible for coverage. It is also important to tell them about any treatment or rehabilitation programs you have been a part of.
What happens if I don’t disclose my drug abuse?
If you do not disclose your drug abuse, you may be denied coverage or have to pay a higher premium. It is important to disclose all your health information to insurance so they can make an accurate decision about your coverage.
Do I need to take a medical exam if I have a history of drug abuse?
No, you do not need to take a medical exam if you have a history of drug abuse.
Is there an age limit for burial insurance with drug abuse?
You must be 18-85 years old to qualify for burial insurance.
What are the benefits of burial insurance if I use drugs?
Burial insurance with drug abuse can provide peace of mind knowing that your loved ones are taken care of financially after you die. It can also help them cover the costs of your burial or cremation.
Is there a waiting period for burial insurance if I use drugs?
Yes, insurance companies typically want you to have sobriety for at least two years or longer before they offer a first-day coverage plan.
Can you get first-day coverage insurance if I’m undergoing drug abuse treatment?
No, most life insurance companies will require you to be sober for two years or longer before they offer a first-day coverage plan.
Do I qualify for final expense insurance if I have a history of drug abuse?
Yes, you may qualify for final expense insurance if you have a history of drug abuse. You may even qualify for a first-day coverage plan if you’ve been sober for two years or longer. It is important to speak with an insurance agent to determine your options.
What is my best insurance option if I use marijuana?
Your best insurance option if you use marijuana is a first-day coverage plan at a smoker rate.
What is my best insurance option if I use recreational marijuana?
Recreational marijuana users can qualify for a first-day coverage plan with a smoker rate.
What is my best insurance option if I use medical marijuana?
If you use medical marijuana, the insurance company will need to know what it is for to determine what plan you will qualify for.
What is my best insurance option if I use hard drugs?
If you use hard drugs, you can qualify for guaranteed issue life insurance.
Does current drug abuse affect life insurance?
Yes, current drug abuse can affect life insurance. This is because drug abuse can lead to health problems that may make you ineligible for coverage. It is important to disclose all of your health information to insurance so they can make an accurate decision about your coverage.
Do I qualify for funeral insurance if I have a history of drug abuse?
Yes, you may qualify for funeral insurance if you have a history of drug abuse. You may even qualify for a first-day coverage plan if you’ve been sober for two years or longer. It is crucial to speak with an insurance agent to determine your options.
What are the benefits of funeral insurance if I use drugs?
Funeral insurance with drug abuse can provide you with peace of mind knowing that your loved ones are taken care of financially after you die. It can also help them cover the costs of your funeral or cremation.
Is there a waiting period for funeral insurance if I use drugs?
Yes, insurance companies typically want you to have sobriety for at least two years or longer before they offer a first-day coverage plan.
Can you get first-day coverage insurance if I’m undergoing drug abuse treatment?
No, most life insurance companies will require you to be sober for two years or longer before they offer a first-day coverage plan.
Does drug abuse treatment affect life insurance?
Yes, drug abuse treatment can affect life insurance. Drug abuse treatment can lead to health problems that may make you ineligible for coverage. It is important to disclose all of your health information to insurance so they can make an accurate decision about your coverage.
How long do I need to be sober to qualify for a first-day coverage plan?
Most life insurance companies want you to be sober for two years or longer before they offer a first-day coverage plan. Speak with an insurance agent to find out what your options are.
What are the things that may affect my eligibility I use drugs?
The type of drugs you use, treatment, and years of sobriety will affect your life insurance eligibility.
Does using drugs disqualify me from getting life insurance?
Yes, using drugs may disqualify you from getting life insurance. This is because drug abuse can lead to health problems that may make you ineligible for coverage.
Do I need to tell the insurance company about my drug abuse treatment?
Yes, you need to disclose all of your health information to insurance so they can make an accurate decision about your coverage. Treatment for drug abuse may affect your eligibility for life insurance.
What is the waiting period for life insurance if I’m currently on drug abuse treatment?
Most life insurance companies want you to be sober for two years or longer before they offer a first-day coverage plan. Speak with an insurance agent to find out what your options are.
Can drug abuse affect my life insurance rates?
Yes, drug abuse can affect your life insurance rates. Some life insurance companies will charge you a smoker rate if you use drugs.
What are the premiums for burial insurance with drug abuse?
The premiums for burial insurance with drug abuse vary depending on the insurance company you choose. It is important to speak with an agent to determine your rates.
Do I qualify for cremation insurance if I have a history of drug abuse?
Yes, you may qualify for cremation insurance if you have a history of drug abuse. You may even qualify for a first-day coverage plan if you’ve been sober for two years or longer. It is important to speak with an insurance agent to determine your options.
What is the average cost of life insurance for someone with a drug abuse history?
The average cost of life insurance for someone with a drug abuse history depends on the company you choose. It is important to speak with an agent to get an accurate quote.
What are the best life insurance companies for drug abusers?
The best life insurance companies for drug abusers vary depending on your needs. It is important to speak with an agent to determine your options.
Can I cancel my life insurance policy?
Yes, you can cancel your life insurance policy. You should speak with an agent to determine the cancellation process.
What are the tips for getting life insurance with drug abuse?
The tips for getting life insurance for drug abuse are speaking with an agent, being honest about your history, and disclosing your health information. It is also important to choose an insurance company that covers those with a history of drug abuse.
