Can I Get Life Insurance If I Have Taken Drugs?

  1. 63333 POINTS
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    Peggy Mace
    Most of the U.S.
    If you have taken drugs over 10 years ago but have never had to have treatment or have not had any infractions due to drug use, your history of drug use may only affect your premium slightly, or possibly not at all.  If your last drug use was more recent, you can still get simplified issue life insurance if you have not used drugs in the past two years. And finally, there is guaranteed issue life insurance for those who are currently using drugs.
    Answered on June 14, 2013
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  2. 10968 POINTS
    Tim Wilhoit
    Owner, Your Friend 4 Life, Brentwood TN
    Peggy is correct. I would also add the type of drug abused has a lot of barring on underwriting decisions. If you abused prescription drugs that are FDA regulated the underwriters are more forgiving on risk after 10 years. However, if you abused cocaine, heroine, meth, etc. these drugs are usually "cut" with unknown substance. This is viewed as a much higher risk by underwriters. The "cut" can cause more damage to the body than the actual drug. Therefore, in most cases these cases are declined from underwritten plans.
    Answered on June 30, 2014
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