Burial Insurance with Drug Abuse or Treatment

You can qualify for life insurance even if you have a history of drug abuse. This is particularly true if you successfully managed to stay off drugs for a year or longer.

If you have completed treatment, you will have the best chance of getting approved for the best insurance coverage and the best rates.

There are insurance carriers that offer level death benefit (1st-day coverage) to those who have been clean for more than a year. 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?


MARIJUANA USE

Medical and recreational marijuana use has been legalized in 33 states (at the time 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 use at smoker rates and 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 are using medical marijuana, will depend on the medical condition being treated with marijuana.

Medical marijuana may be used for common illness 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 a guaranteed issue burial insurance.

This plan does not go into effect immediately like level death benefit. You need to live for two years before your beneficiary will receive your full death benefit if you pass away from the 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’s 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 haven’t been prescribed by your doctor, you will not qualify for a first-day coverage plan.

Most companies will require you to have a minimum of two to five years drug-free, without any relapse or hospitalization before offering first-day coverage.

Best Option: Guaranteed issue burial insurance


SOBRIETY FOR 2 YEARS AND LONGER

Most life insurance companies are strict on insuring people who have a history of drug abuse unless they have remained clean and sober for a minimum of two years.

If you are a former drug addict and you have maintained sobriety for longer than two years, 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

If you are currently using cocaine, heroin, or crystal meth, 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, or hospitalized or recommended for counseling or treatment within the last 2 years, you will qualify for a first-day benefit plan.

You will covered for 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 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 $30,000 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 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 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 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:

  1. Marijuana
  2. Methamphetamines
  3. Ecstasy
  4. Benzodiazepines
  5. Cocaine
  6. Methadone
  7. Opium
  8. Methamphetamine
  9. Heroin
  10. Crack cocaine

Commonly used legal drugs:

  1. Barbiturates
  2. Benzodiazepines
  3. Sleep medications
  4. Codeine
  5. Morphine
  6. Methadone
  7. Fentanyl and analogs
  8. Opioid pain medications
  9. Amphetamines
  10. Methylphenidate
  11. Dextromethorphan

There are two ways burial insurance companies underwrite your application:

#1. HEALTH QUESTIONS

Every burial insurance company with underwriting has health questions that ask about drug abuse currently or in the past.

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 how 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 totally 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$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Hearse$340
Service car/van$150
Basic memorial printed package$175
Metal casket$2,500
Vault$1,495
Median Cost of a Funeral With Viewing and Burial$9,135
AVERAGE FUNERAL COST WITH VIEWING AND CREMATION 
Non-declinable basic services fee$2,195
Removal/ transfer of remains to funeral home$350
Embalming & preparation of the body$1,005
Use of facilities for viewing & funeral ceremony$925
Service car/van$150
Basic memorial printed package$175
Cremation fee (if firm uses a third-party crematory)$350
Median Cost of a Funeral with Viewing and Cremation$5,150
Cremation Casket$1,200
Rental Casket$995
Alternate Cremation Container$150
Urn$295


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.

PAYMENT METHODRECOMMENDED?
Savings AccountBest way to pay
Checking AccountBest way to pay
CashNot recommended
Money OrderNot recommended
Cashier's CheckNot recommended
Debit CardNot recommended
Credit CardNot recommended
Direct ExpressNot recommended
PAYMENT FREQUENCYRECOMMENDEDACCEPTED BY
MonthlyRecommendedAll Companies
QuarterlyNot RecommendedSome Companies
Semi-annuallyNot RecommendedSome Companies
AnnuallyNot RecommendedSome Companies


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 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


INFORMATION WE NEED IF YOU HAVE A DRUG ABUSE HISTORY

When applying for burial or funeral insurance with 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:

  1. How long have you been using illegal drugs?
  2. What type of drugs have you used?
  3. How long have you been living a drug-free life?
  4. Have you ever been hospitalized due to drugs?
  5. Have you sought professional help or treatment to ensure sobriety?
  6. Have you gone to rehab, how long were you there?
  7. Did you relapse? If so, how many times?
  8. 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 be the best fit for your needs and will 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 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 exam.

If you’ve been denied a life insurance policy in the past because of your drug addiction, it doesn’t necessarily mean that 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 and outright with 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, like 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 definitely 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 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 DRUG ABUSE HISTORY

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

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

Trying to find a policy with a history of drug abuse needn’t be a frustrating process; 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 of the way to get the policy that fits your financial requirements and budget. You don’t have to waste your precious time anymore 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 specialized 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, or 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.

Life Insurance, Funeral Insurance, Final Expense Insurance, Burial Insurance With Drug Abuse Or Treatment Infographics

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