At Diversified Insurance Brokers, we specialize in helping clients with a history of drug abuse secure the right life insurance coverage. With decades of experience and access to over 100 top-rated carriers, we understand how to position your application for the best possible results. Whether your history involves prescription medication misuse, recreational drugs, or prior addiction treatment, we can match you with the carriers most likely to approve your coverage—often at competitive rates.

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How Drug Abuse History Impacts Life Insurance

Life insurance companies look closely at drug history to assess potential health and lifestyle risks. Factors they consider include:

• Type of Drug: Prescription misuse, marijuana, cocaine, opioids, or other substances.
• Time Since Last Use: Many carriers require a set number of years drug-free—often 2 to 5 years—for favorable rates.
• Treatment and Recovery: Participation in rehabilitation programs or ongoing counseling.
• Medical Complications: Hepatitis, heart issues, or other related conditions.
• Legal Issues: Any arrests, DUIs, or convictions related to drug use.

Who This Coverage Is Best For

• Individuals in recovery who have maintained sobriety for several years.
• Applicants who completed a treatment program and demonstrate stability.
• People recently declined by other insurers due to drug history.
• Anyone wanting to protect their family financially despite a challenging past.

Typical Life Insurance Outcomes for Drug Abuse History

• Long-term sobriety (5+ years) with no health complications: May qualify for Standard or even better rates.
• Moderate sobriety (2–4 years): Often approved with a table rating.
• Recent use or relapse: May require a waiting period before coverage is approved.

Every case is different—our role is to connect you with the right carrier for your situation.

Why Work With Diversified Insurance Brokers

• 100+ A-rated carriers: More opportunities for approval and better rates.
• High-risk underwriting expertise: We know which insurers are most recovery-friendly.
• Confidential and respectful process: Your information is handled with discretion.
• Flexible coverage options: Term, whole, and universal life available.

Example Case

A 38-year-old applicant with a history of heroin addiction, sober for 6 years and actively involved in a recovery program, had been declined twice before coming to us. We matched them with a carrier specializing in high-risk cases and secured a $500,000 20-year term policy at a Standard rate—saving them over $800 per year compared to prior quotes.

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