Trying to buy burial insurance with a history of past drug abuse or treatment can be extremely difficult. You should expect every burial insurance or life insurance company to ask about current and past drug abuse during the application process.
If you have a history of drug abuse in the past, your eligibility for a funeral or life insurance policy may be limited even if you are currently clean. Most life insurance companies will not offer you traditional life insurance policies for at least two years from your release from treatment.
This means your application will be denied until you have been drug-free or out of rehab for a minimum of two years before an insurance company will begin to consider your life insurance application.
So, what do you do if you don’t have two years of sobriety, but you want to purchase a life insurance policy?
Even if your drug use was more recent, you can apply for a burial insurance policy that won’t require you to take a medical exam or answer any health-related questions.
We work with insurance companies that do not ask about drug abuse on their health questionnaire!
Over the years, we have successfully helped clients with drug abuse history secure funeral insurance policy. We will work with you to find the best coverage at the best rates even if you have a history of drug abuse.
FOR EASIER NAVIGATION:
CAN YOU GET BURIAL INSURANCE IF YOU HAVE A HISTORY OF DRUG ABUSE?
YES, you can!
You can qualify for life insurance even if you have a history of drug abuse. No matter when you have been clean, there are some affordable options for you.
If you have completed treatment, you will have the best chance of getting approved for the best rates and life insurance coverage. This is particularly true if you successfully managed to stay off drugs for a year or longer.
There are insurance carriers that offer level death benefit (1st-day coverage) to those who have been clean for more than a year.
If you are currently using drugs and looking to get life insurance, you will qualify for guaranteed issue life insurance. This life insurance plan does not require a medical exam or health questions, and you will be approved regardless of your drug abuse history.
The most important thing when it comes to drug abuse and burial or life insurance coverage is that if your drug abuse has not damaged any of your internal organs, you may be approved for a level death benefit.
WHY DO INSURANCE CARRIERS CARE IF I HAVE A HISTORY OF DRUG ABUSE
From Whitney Houston to Prince, and from Elvis to Marilyn Monroe, we’ve all seen how drug abuse can end life prematurely and strip a person of a bright future.
Drug abuse can terribly alter the course of one’s life and cause it to end far too early. This is the reason why life insurance companies want to know about your drug history.
Commonly used illegal drugs:
- Crack cocaine
Commonly used legal drugs:
- Sleep medications
- Fentanyl and analogs
- Opioid pain medications
Life insurance companies are hesitant to insure current or former drug abusers because their life expectancy is much lower than average. Drugs can cause a devastating effect on the body resulting in premature death.
Drug addicts are considered a much higher risk and prone to additional health issues in the future.
Mortality risks associated with drug abuse include:
- Deaths from a natural cause such as heart attack or stroke
- Accidental deaths from overdose
- Accidental deaths from motor vehicle accidents, trips, and falls
- Deaths from infection from injectables such as hepatitis and HIV
- Violent deaths from suicide or homicide
Insurance companies know that drug abuse can cause premature death and they won’t make money by giving coverage to people who have a history of drug abuse unless they maintained sobriety for a minimum of two years.
Once you’ve been clean and sober for two years, you should qualify for a level death benefit policy with most life insurance companies.
If you have a history of drug abuse, you can always qualify for burial insurance with no health questions. We work with many top-rated life insurance companies in the country, and we know some that don’t even ask about drug abuse.
Our agents at Funeral Funds are skilled at finding the right insurance plan for people with a history of drug abuse, and we will help you find the right plan.
WHAT OUR AGENT WILL ASK YOU IF YOU HAVE A HISTORY OF DRUG ABUSE
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.
One-time experimentation with drugs will not make you ineligible for a policy.
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)?
- Are you currently employed?
- Do you have a permanent address?
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.
UNDERWRITING BURIAL INSURANCE WITH DRUG ABUSE OR TREATMENT
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.
There are five 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:
“Other than prescription drugs, have you ever used marijuana, stimulants, narcotics, hallucinogens or sedatives?
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 to be used against you by law enforcement agency 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 analyze your prescription history to see what medications you are taking to identify any “red flags” that could indicate if you are abusing your medications.
#3. MEDICAL INFORMATION BUREAU (MIB) REPORT
The MIB provides information about previous life insurance application results. This report is then shared among insurance companies to review.
If you applied for life insurance in the last six months and were denied due to drug abuse, this information will be written in your MIB file which will be available to any company should you decide to apply in the future.
#4. CRIMINAL BACKGROUND CHECK
Som insurance companies also make a criminal background check as part of their underwriting process.
A background check may not indicate any drug abuse history, but having an arrest history for possession of illegal drugs may be viewed as a potential red flag in your life insurance application.
#5. DEPARTMENT OF MOTOR VEHICLE (DMV) REPORT
Your DMV reports are also be checked by the insurance companies, while it may not prove your drug abuse, having a driving under the influence of drugs (DUI) or driving while intoxicated with alcohol or drugs will be a red flag to life insurance companies.
BURIAL INSURANCE WITH DRUG ABUSE OR TREATMENT: WHAT TO EXPECT
Low to moderate use of alcohol won’t affect your life insurance eligibility. However, if you have a history of alcohol abuse, you should expect to pay a higher premium and possibly qualify for a waiting period.
If you have a history of alcohol abuse, the most lenient life insurance company would require you to have at least two years out of treatment before they consider your application.
Guaranteed life insurance asks no health questions.
Tobacco use includes cigarettes, chewing tobacco, and even e-cigarettes. Because of the many diseases associated with tobacco use, life insurance companies consider tobacco use to be a higher risk activity.
Smokers will often pay two to five times more for life insurance from all companies. It is called a tobacco rating.
Those who have been tobacco-free for at least one year or longer can qualify for the non-tobacco rate.
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 medicinal marijuana use at smoker rates and recreational use at non-smoker rates.
Most frequent marijuana users can still qualify for reasonable rates, but they will likely be classified the same as tobacco smokers with higher premiums.
Medicinal 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.
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 often be denied coverage.
Most companies will require you to have a minimum of two to five years drug-free, without any relapse or hospitalization before offering coverage.
If you have been hospitalized for drug addiction but have no major organ damage, you may qualify for a policy with a higher premium and a waiting period.
Insurance companies are now offering burial insurance with hard drug users, and we work with one company that doesn’t even ask about drug abuse in their health questions. We can help you qualify for immediate coverage.
POLICY OPTIONS IF YOU HAVE A HISTORY OF DRUG ABUSE
LEVEL DEATH BENEFIT
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.
Even if you use hard drugs recently, we can help you secure immediate benefit life insurance. We work with one insurance company that doesn’t even ask about drug abuse in their health questionnaire. To them, drug abuse is a non-issue, and you can qualify for level death benefit regardless of your drug abuse history.
GRADED DEATH BENEFIT
Most life insurance companies offer a graded death benefit to those who have been sober for a year.
Graded death benefit provides partial coverage for the first two years before the policy is in force. It is the next best option for coverage if you cannot qualify for a level death benefit because of your drug abuse history.
Graded death benefit works this way. If you purchased a $20,000 face amount and you die during the first year, your beneficiary will receive 30 to 40% of the death benefit. If you die during the second year, the company will pay 70 to 80% of the death benefit. In the third year, your beneficiary will receive the full face amount.
GUARANTEED ISSUE BURIAL INSURANCE
If you have a major health condition such as organ damage as a result of drug abuse, you may not qualify for a level death benefit.
If you had been hospitalized or put in rehab because of your drug addiction your only option for coverage is a guaranteed issue burial insurance.
This plan is a little expensive than the level death benefit, and you will only get a maximum of $25,000 in coverage. There is also a two-year waiting period for a natural cause of death.
Your beneficiaries will receive your full death benefit when you pass away after the two-year waiting period.
If you die during the 2 year graded death benefit period, your beneficiary will only receive all the premiums you paid plus 10%.
WHAT IF I’M A CURRENT DRUG USER?
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 are currently using illegal or prescription drugs, you will be automatically declined for everything except guaranteed life insurance (which we can help you with).
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.
The best thing you can do with current drug use is to apply for burial insurance that does not ask any health questions. It is also best to work with an independent life insurance agency like Funeral Funds.
We work with insurance companies that have the most lenient underwriting for drug addicts.
We even know one insurance company that does not ask about drug abuse in their health questions and will offer you level death benefit.
WHAT IF I ALREADY QUIT USING DRUGS?
If you have a drug history but quit, the approval of your insurance application depends on these factors:
- The time that elapsed since you stopped using drugs. Most life insurance companies require at least two years from the time you stop, and some require even longer before they approve your application.
- The insurance carrier must know how long you had been taking drugs.
- The severity of your drug abuse. Do you need rehab or treatment to quit?
- Have you ever relapsed since you quit?
- Do you have any medical complications due to drugs like heart disease or HIV?
- Have you been confined to a hospital when you’re still using drugs?
- Are you living a stable life now? Are you working?
These factors will play a significant role in your life insurance approval.
We can always help you with guaranteed issue life insurance if you can’t qualify for a traditional life insurance policy.
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 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.
Don’t ever think that you will not qualify for burial insurance!
For recent drug abuse, like within less than two years, you may try to apply for a policy but may have to pay a higher premium and have a waiting period.
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.
Lying about current or past Drug abuse
Always be honest about your past drug use and health history!
Disclose drug abuse history on your application. Lying on a burial or final expense insurance application is considered insurance fraud, and the company will most likely find out when you file for a claim within the first two years.
If you lie and your application is approved, if you die during the first 2 years, the insurer will definitely investigate your past.
If you die of a drug-related incident, and the company found out that you’ve been dishonest about your drug history, they will not pay your death benefit.
If you’re concerned that the life insurance company will report your drug use to the police or they will inform your employer or the police, don’t be afraid. Your medical information is safe and protected by HIPAA.
The life insurance company will not share your medical information with anybody without your permission.
Admitting drug use may cause your premiums to go up or result in a possible decline, but falsely representing your drug addiction can cause you serious problems in the future.
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.
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.