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How to Qualify for Life Insurance as an Ex-Drug Addict

How to Qualify for Life Insurance as an Ex-Drug Addict

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In Today’s Article I’m Going To Be Covering The Factors That Determine If An Ex Drug Addict Can Qualify For Insurance

Most likely you’re here because you have been through a heck of a lot and realize that life is fleeting. Perhaps you’ve pictured or imagined what it would be like for either yourself or your loved one to pass away because of drug abuse. If this describes your circumstance, you won’t experience any sort of shaming or guilt here.

Instead you’ll find a direct, to the point analysis on the likelihood of having a life insurance plan put in place to take care of final expenses and other obligations so that you can have peace of mind.

NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the complete presentation on qualifying for life insurance as an ex-drug addict. Enjoy!

Specifically, We’re Going To Be Looking At The Following Topics:

Typical application questions to expect

Questions asked when qualifying for life insurance if you are an ex drug addict

“How long has it been since you’ve been sober?”

As you can imagine, life insurance companies will express a bit of fear toward covering somebody who has a history of drug use. The first question they’re going to want to ask is how long have you been sober?

The length of sobriety is a huge factor in determining what level of insurance you may qualify for. Generally, the longer you’ve been sober, the greater the likelihood you will experience more flexibility and quality rates for life insurance coverage.

However, there’s going to be some additional followup questions as to how long it’s been since you quit, which we will cover now.

“How often did you use drugs?”

Of course, life insurance companies are going to want to know how often you were using drugs when you were an addict. Was it a daily circumstance? Weekly? Was it off and on?

Be sure to be clear and honest with questions regarding your past drug use, as it is important to be as transparent as possible.

Life insurance companies look differently at drugs such as barbiturates, methamphetamine, cocaine, heroin, and other drugs. Be sure to indicate which drugs you did use.

Were you ever hospitalized for your drug use, and if so, how long ago did the hospitalization occur?”

Whether or not you’ve been hospitalised will have an impact on your eligibility for life insurance.

If you were hospitalised, it may have a negative impact on your application because it is an indicator of how serious the drug addiction was at the time that you were using.

Drug use can create health complications that are chronic in nature. Make sure to list any conditions you may suffer from, as they may have an impact on your insurability.

“Have you ever had relapses and did you seek treatment?”

Relapses and whether or not you seek treatment are going to be points of concern. Again, a life insurance company ideally is looking for a long term ex drug addict that has proof that treatment is going well. So they’re going to ask questions about relapses, if any, as well as what you did to seek treatment.

Other factors that affect insurability

Aside from your history of drug use, there will be a number of other factors that an insurance company will look at to determine if you qualify for insurance and what your premium rates will be.

Overall health

Insurance companies are going to want to also analyze what your overall health picture looks like. As you can imagine, many people who use drugs for a long time suffer health ailments later in life. It’s important to indicate health wise how you’re doing.

Specifically the following questions most likely will be asked on your health and life insurance application:

Do you have a history of…

  • Heart disease
  • Cancer diagnosis
  • Lung disease
  • Diabetes
  • Liver disease
  • Kidney disease
  • Circulatory disease
  • Neurological diseases
  • Mental health disorders
  • Cognitive memory disorders such as Alzheimer’s and dementia

In addition you will be asked if you…

  • Smoke
  • Use any sort of prescription drugs
  • Have had any recent hospitalizations or surgeries

Please be completely transparent and forthright when answering these questions because life insurance companies need to have an accurate assessment of your current health status.


Age, like health, directly impacts your eligibility for life insurance coverage. The older you are, the more you will likely pay.  This is why it’s important to work with a broker to figure out which company may be more flexible with your life insurance options.


Your weight has an impact on your insurance application because it is evidence of overall health. You’re more likely to be charged more if you are considered overweight.


Lifestyle is directly related to the ex drug addict application. Life insurance companies are going to want to work hard to see evidence of a healthy and clean lifestyle that has subsisted for many years. So you’re going to have to answer questions such as:

Do you have a history of…

  • Traffic violations
  • DUIs

What is your current…

  • Profession
  • Hobbies

The more information you can provide on your lifestyle, the more chance you have to find a life insurance company who may be willing to work with you. This is of course assuming you can show evidence of an improved, safe, and sober lifestyle.

Reasons to own life insurance

Always work with certified broker when getting life insurance

As I mentioned earlier, most likely you’re here because you understand or have witnessed what drugs can do to a person, which has made you realize the fragility of life. This is one of the biggest reasons to own life insurance. It can act like a vessel to take care of financial obligations that otherwise would’ve been satisfied if the deceased had lived long enough to do so.

Most people own life insurance for the following three reasons. It’s important to understand these reasons because it will help better clarify in your mind your own reasoning for insurance coverage as well as answer what types of insurance are available for different circumstances.

Replace income

Most people we see are in their forties and fifties or younger and are still working. They need to keep an income source until they reach retirement. But what happens if they die earlier than retirement? They leave their spouse and kids behind with medical bills, mortgage debt, and other final expenses that cause their existing or their surviving family members to financially struggle.

A life insurance plan can satisfy some of the economic fallout from an unexpected death, and provide cash on hand to the surviving loved ones to take care of those normal expenses that otherwise would have been accrued.

Debt protection

4 types of debt that life insurance can pay off

A lot of people buy life insurance because they know it’s important not to leave the people they love with final debts that can seriously affect their ability to maintain their lifestyle. Most commonly, Americans have mortgages as their primary debt. Having the ability to pay off a mortgage or manage the mortgage and payments is really important.

A life insurance plan can provide a substantial source of money to take care of those final expenses so that a family isn’t burdened with debt and potentially have to face foreclosure.

Final expenses

Many people who have a history of drug use, but our ex drug addicts, are just looking for a simple final expense plan to take care of their burial, cremation expenses, and other small final expenses such as medical debt or a credit card debt. Life insurance does a good job of covering these concerns.

Burial Insurance Rates, Age 40 to 90*


Rates For $5,000 In Burial Insurance

Rates For $10,000 In Burial Insurance

Rates For $15,000 In Burial Insurance

Rates For $20,000 In Burial Insurance

Rates For $25,000 In Burial Insurance

*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.

How much life insurance coverage do you need?

The way that we answered this question is twofold. First of all, if you  are looking for income replacement we recommend 10 times your annual income as a good amount of coverage to start. So if you make $50,000 a year, a $500,000 plan is great.

Your plan should cover most obligations including a mortgage and replace your income for a sufficient amount of time to give peace of mind to your surviving family members. If you’re just looking for a final expense plan to pay for your burial, cremation, and other final expenses, most of my clients pick somewhere between 10,020 $5,000 coverage. This will be enough to satisfy final expenses people incur and not leave any burdens behind to their kids or grandkids.

Next steps

Work with a broker

Last but not least, the best way to secure the best options for life insurance coverage is to work with a broker.

A broker is someone who represents a variety of different life insurance companies and can offer a variety of options. This is especially important for individuals who have a history of drug use when life insurance companies will be very scrutinising.

David Duford owner of buy life insurance for burial

Thanks for reading, and I hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

Buy Life Insurance for Burial have worked with a variety of life insurance companies and understand the difference a broker can make. We can shop the major companies to see which ones will be more likely to give you more wiggle room on potentially qualifying for a decent life insurance policy based on the details that we described earlier.

Whereas if you work with only one company, you only get one option. And that one option may end up being a decline or a significant rate up due to not qualifying for a plan on the rate or the basis in which you expected.

Work with a broker like us here at Buy Life Insurance for Burial. We’ll do all the busy work for you to figure out who’s going to offer you the best overall package deal.


We work with individuals across the nation to secure the best life insurance rates.

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