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.

How a Drug Use History Impacts Life Insurance

Insurers evaluate overall risk across your medical, lifestyle, and legal background. The goal is to understand current stability and the likelihood of future complications. A clear, candid application nearly always performs better than a vague one.

• Type of substance: Prescription misuse, marijuana, cocaine, opioids, stimulants, or polysubstance use may be underwritten differently.
• Time since last use: Many carriers look for a minimum drug-free period (often 2–5 years) for favorable pricing; longer sobriety can open preferred outcomes.
• Treatment & recovery: Participation in rehab, counseling, support groups, and ongoing follow-up are positive signals.
• Medical factors: Liver function (e.g., hepatitis), cardiovascular issues, mental health history, and medication lists are reviewed.
• Legal history: Arrests or convictions related to use (including DUI/DWI) may require additional context and seasoning.

Who This Coverage Is Best For

• People in sustained recovery who have maintained sobriety for multiple years.
• Applicants who completed a treatment program and demonstrate financial, employment, and health stability.
• Individuals previously declined who need a carrier with more flexible guidelines.
• Anyone who wants to protect family or business partners despite a challenging past.

Typical Outcomes & What to Expect

• Long-term sobriety (≈5+ years) with clean health file: Standard—and sometimes better—rates may be possible.
• Moderate sobriety (≈2–4 years): Approvals are common with table ratings or modest flat extras, improving over time.
• Recent use or relapse: A short postponement period is typical; alternative designs can bridge the gap.

Each carrier has unique underwriting rules by state and product. We pre-screen anonymously when appropriate to protect your privacy and find the best fit.

How to Strengthen Your Application

• Be transparent: Underwriting pulls prescription histories, MVR, and medical records; omissions can harm eligibility.
• Document stability: Treatment completion letters, counselor notes, and proof of ongoing participation help.
• Share positive milestones: Years sober, steady employment, supportive environment, and compliance with care plans.
• Know your labs: If recent labs are available from your physician, have them handy; some carriers will accept them.
• Consider timing: If you’re very early in recovery, we’ll map a strategy that starts with temporary protection and revisits fully underwritten coverage later.

Coverage Paths If You’re Not Yet Eligible for Standard Rates

• Simplified-issue term or whole life: Fewer questions, no exam in many cases; face amounts are typically smaller and pricing higher than fully underwritten policies.
• Guaranteed-issue whole life (final expense): No health questions; graded death benefit for the first 2–3 years on natural causes. Useful when declines or postponements occur.
• Workplace/group life: If available, employer plans can offer more lenient eligibility. We can coordinate personal coverage around your group benefits.
• Accidental death (AD&D): Not a substitute for life insurance, but can provide limited, immediate protection while we build eligibility for full coverage.

Underwriting Snapshot by Sobriety Timeline (Illustrative)

This table is educational only; actual decisions vary by carrier, state, age, product, and total underwriting picture.

Policy Types We Help You Compare

• Term life: Highest coverage per dollar for a set period; many policies offer conversion to permanent coverage without a new medical exam during a defined window.
• Whole life: Lifetime protection with guaranteed premiums and cash value; useful for permanent needs or estate planning.
• Universal life (UL/IUL/GUL): Flexible designs that can target lifetime coverage with adjustable premiums and death benefit structures.

Example Case (Real-World Pattern)

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.

Get Started—Discreet & Supportive

Take the first step: Complete our secure drug abuse life insurance request form and let us find the best coverage for you. We’ll pre-screen carriers aligned with your history, explain trade-offs in plain English, and help you choose a path that can improve over time.

Prefer to talk? Call 800-533-5969