At Diversified Insurance Brokers, we specialize in helping clients with a history of substance abuse secure life insurance coverage. With access to over 100 top-rated carriers and decades of underwriting expertise, we know how to position your case for the best possible outcome. Whether your history involves alcohol, prescription medication misuse, or illicit drugs, we understand the unique challenges and work to match you with insurers most likely to approve your application at competitive rates.

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How Substance Abuse Impacts Life Insurance Underwriting

Life insurance companies evaluate applicants with a history of substance abuse carefully, looking at factors such as:

• Type of Substance: Alcohol, prescription medication, or illicit drug use.
• Length of Sobriety: Many carriers require a minimum of 2–5 years of documented sobriety for favorable rates.
• Treatment History: Inpatient, outpatient, counseling, or rehabilitation programs.
• Medical Complications: Liver disease, heart issues, or other conditions linked to past substance use.
• Legal History: Any DUIs, arrests, or other substance-related legal issues.

Who This Coverage Is Best For

• Individuals in recovery with several years of sobriety.
• Applicants who have completed a treatment program and maintained stability.
• People recently declined by other insurers due to substance abuse history.
• Anyone looking to protect their family’s financial future despite a challenging past.

Typical Life Insurance Outcomes for Substance Abuse History

• Long-term sobriety with no related health issues: May qualify for Standard or better rates.
• Moderate sobriety period (2–4 years): Often approved with a table rating.
• Recent treatment or relapse: Coverage may be available after a set waiting period.

Every case is unique—our role is to match your situation with the carrier most likely to say “yes.”

Why Work With Diversified Insurance Brokers

• Access to 100+ A-rated carriers: Giving you more opportunities for approval and better rates.
• High-risk life insurance expertise: We know which companies are the most understanding of recovery cases.
• Confidential and respectful process: Your personal history is treated with discretion.
• Custom coverage options: Term, whole, and universal life plans to fit your needs.

Example Case

A 45-year-old applicant with a past history of opioid addiction, sober for 7 years and in ongoing counseling, had been turned down by multiple carriers. We identified an insurer experienced with recovery cases and secured them a $250,000 20-year term policy at a Standard rate—saving over $600 per year compared to prior quotes.

Take the first step: Complete our secure substance abuse life insurance request form and let us find the best coverage for you.