Get approved for life insurance with a drug addiction |
alchohol, pills, and a syringe sitting on a table

Getting life insurance with a drug addiction

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Don’t let a history of addiction prevent a future of security.

If you’ve suffered from substance abuse, your options for life insurance are unfortunately limited. However, a history of drug addiction doesn’t necessarily mean you’re out of luck.

Can I get life insurance if I’m currently struggling with a drug addiction?

While it’s possible to get coverage if you’ve had substance abuse problems in the past, finding life insurance if you’re currently dealing with drug addiction can be tricky. Most insurers require you to have been in recovery anywhere from two years or longer.

Can I get life insurance if I have a history of substance abuse?

Yes. If you’ve struggled with addiction in the past but have completed rehab and are clean you may be able to find coverage. This will depend on factors like:

  • How severe the problem was.
  • How long you were using drugs.
  • How long you’ve been clean.
  • What types of drugs you were using and how they were administered.
  • Whether you needed to enter a rehab program or facility.
  • Whether you’re in a substance abuse program such as Alcoholics Anonymous (AA) or Narcotics Anonymous (NA).
  • Whether you relapsed since you got clean.
  • Whether your addiction resulted in any legal issues such as a DUI.
  • Whether you had any medical complications as a result of your addiction.

Of course, you’ll also have to answer the normal questions you get when looking for a life insurance policy, including your:

  • Weight
  • Age
  • Gender
  • Height
  • Lifestyle
  • Marital status
  • Occupation
  • Tobacco usage

Find the coverage that’s right for you

Name Product Issue Ages Coverage Range Medical Exam Required
18 - 85 years old
$10,000 to $10,000,000+
Depends on provider and policy
Compare quotes from 16 life insurance companies side by side.
20 - 80 years old
$25,000 to $10,000,000
Quickly get a quote for coverage with this marketplace, which compares term & whole life insurance policies from 45+ carriers.
18 - 80 years old
$50,000 to $25,000,000
Depends on provider and policy
Get a quote within minutes from more than a dozen insurers.
18 - 75 years old
$100,000 to $5,000,000
Depends on provider and policy
Apply for a simple instant-decision policy free of charge. Compare quotes from multiple A-rated carriers.
18 - 80 years old
$25,000 to $10,000,000
Depends on provider and policy
Compare quotes from over 40 highly rated carriers and get coverage shortly after approval.

Compare up to 4 providers

Does drug addiction affect my life insurance rates?

Yes. Any history of drug use affects how much you pay for your life insurance policy. How much you’ll pay depends on the severity of your addiction and how long you’ve been off drugs.

How do I get life insurance when I have a drug addiction?

If you’re currently using hard drugs, your life insurance application will more than likely be denied. If you’re in recovery and have been clean for a while, you could take out a traditional life insurance policy.

You have a few choices for how you get your policy, including:

  • From an agent.
    The benefits of using an agent to help you find coverage is that they can advise you on which insurers are more likely to provide you with coverage at a rate you’re willing to pay.
  • Through your employer.
    If your employer offers life insurance as part of your package, it may be a good option to consider. The premiums are generally on the low end and you may qualify for better rates since it’s a group policy.
  • Directly from an insurer.
    If you’re happy to compare your own options, you may want to go directly to a few insurers and compare their rates.
  • Can I get a policy without a medical exam?

    If you’re unable to get coverage through your employer, all may not be lost. There are ways to take out a life insurance policy without the need for a medical exam:

    Simplified issue life insurance

    One of the easier ways to get life insurance without a medical test is simplified life insurance. While you still may be asked some questions about your medical history, you should be able to apply for coverage and get protection in a matter of days.

    Guaranteed issue life insurance

    This type of coverage — also referred to as guaranteed acceptance life insurance — provides you with coverage without any medical exams. However, these types of policies are far more expensive than normal life insurance policies and have much lower payouts.

    Instant-approval insurance with accelerated underwriting

    There are some new insurance products that allow you to fill out a quick online questionnaire about your health. You still may be asked about your drug use and there’s the possibility of needing to undergo a medical exam.

    Bottom line

    Getting life insurance with a history of substance abuse may be an uphill battle, but getting coverage is possible. Compare your options before making a decision to ensure you’re getting the best life insurance option for you.

    Find a life insurance policy today

    Use our magical comparison tool to find the best rates in your area.

    Your information is secure.

    Frequently asked questions

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site