Can I get life insurance with Alcohol History?
Yes — a history of alcohol misuse or dependency doesn't automatically disqualify you from life insurance. The outcome depends on how long ago you stopped drinking, whether you have achieved full abstinence, any associated health damage (liver disease, pancreatitis, cardiovascular impact), and whether you have any related mental health history. Applicants who have been fully abstinent for 2+ years and have no associated health complications can often get cover, though with a loading.
How does Alcohol History affect my premium?
A loading for alcohol history depends on the duration and severity of misuse, how long you have been abstinent, and whether any organ damage occurred. Recent alcohol problems (within 2 years) are typically postponed until a longer period of abstinence is demonstrated. 2–5 years of abstinence with no complications often results in a moderate loading. 5+ years abstinent with no organ damage may achieve near-standard rates.
What will the insurer ask?
Expect questions covering: when you were diagnosed, your current treatment and medication, the most recent test results or medical reports, any complications or related conditions, and any time off work due to your health. For higher sums assured, a GP report may be requested.
Which insurers are most competitive?
Legal & General, AIG, and specialist insurers accessed via a whole-of-market broker tend to be most competitive for alcohol history cases. Direct comparisons online often don't capture specialist underwriting — an experienced adviser is particularly valuable here. The most competitive insurer for your profile can only be identified by comparing the whole market — premiums can vary by 30–50% for the same applicant across different providers.
Should I also look at critical illness cover and income protection?
Yes — life insurance only pays on death. Critical illness cover pays a lump sum on diagnosis of specified serious conditions. Income protection replaces your income if you cannot work. Depending on your condition, all three may be available — though terms and exclusions vary by insurer and condition.
Key tips when applying
- Disclose everything: Non-disclosure is the leading cause of rejected claims. Always be fully transparent about your medical history.
- Apply when stable: Applying when your condition is well-controlled gives you the best chance of favourable terms.
- Don't self-reject: Many people assume they can't get cover. In the vast majority of cases, cover is available at a reasonable cost.
Frequently Asked Questions
Yes — Alcohol History is insurable in most cases. Terms vary by severity and how well-controlled the condition is. Comparing the whole market gives you the best chance of finding affordable cover.
It depends on the condition and its severity. Some conditions result in standard rates; others attract a premium loading or specific exclusions. A whole-of-market adviser can identify which insurers offer the most competitive terms for your profile.
Non-disclosure can invalidate your policy. Insurers check medical records when a claim is made — if a condition was not disclosed, a claim can be rejected and premiums refunded. Always disclose your full medical history.