At Diversified Insurance Brokers, we specialize in helping clients with unique health histories—such as a history of alcohol use—secure the right life insurance coverage from our network of over 100 top-rated carriers. With decades of underwriting experience, we know which companies are most likely to approve your application, how to position your medical information, and how to find the most competitive rates. If you have a history of alcohol use, it’s still possible to get affordable coverage, and we can guide you every step of the way.

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How Alcohol Use Impacts Life Insurance

Life insurance companies look closely at alcohol history because it can affect long-term health and life expectancy. Factors that carriers may evaluate include:

• Current Use: Occasional or moderate drinking is usually treated differently than heavy or daily use.
• History of Abuse: A past diagnosis of alcohol abuse or alcoholism will require additional underwriting review.
• Recovery Period: Many carriers prefer a set number of years of sobriety—often two to five years—before offering preferred rates.
• Medical Records: Any liver function tests, treatment records, or related health conditions will be considered.

Who This Coverage Is Best For

This type of high-risk life insurance is ideal for:

• Individuals in recovery from alcohol abuse
• Moderate drinkers with otherwise good health
• Applicants recently declined by other insurers due to alcohol history
• Those who want to protect their family financially regardless of medical background

Why Work With Diversified Insurance Brokers

We’ve helped countless clients secure affordable coverage after being told “no” elsewhere. Here’s why people choose us:

• Access to 100+ A-rated carriers: We know which companies are most flexible with alcohol history.
• Expert case positioning: We present your history to underwriters in the most favorable way.
• Fast turnaround: Our relationships with carriers mean quicker decisions and better offers.
• Confidential process: Your information is secure and handled with discretion.

Example Case

One recent client had a history of alcohol abuse but had been sober for 4 years. Other agencies declined them. We matched them with a carrier specializing in recovery applicants, and they secured a $250,000 20-year term policy at a standard rate—saving over $400 per year compared to their initial quotes.