Life insurance declined for recreational drugs

molerat

Insurance is all about the risk based on statistical evidence.

Hasbeen

bicozdenight wrote: »

Sorry, op? (I'm not english)

Nobody's perfect:rotfl:

OP Means Opening Poster that's you.

Aretnap

Carrot007 wrote: »

Well you are not going to get one that covers the drugs, however it should not be to hard to get one that excludes them.

That would be quite difficult given that life insurance doesn't normally come with exclusions. You can't generally pick and choose which causes of death you want it to cover, not least because most deaths have multiple.

Plus the increased risk of insuring a drug user doesn't just come from the risk of a death directly caused by drugs, but because drug use is likely to be correlated with all sorts of other factors whicc increase the risk of early death, eg mental health issues, self-harm, lack of concern for one's health, generally reckless behaviour etc. So excluding death from a drug overdose would not make the user an attractive proposition for the insurer. Admittedly many of these issues are to be a bigger problem with a long term addict than someone who occasionally pops a pill at weekends.

To the OP, assuming the drug use isn't recorded on your medical records (and your Facebook feed isn't full of stories about what you got up to last weekend), your best option might be to buy a time machine and answer "no". Unfortunately the first part of that is the tricky part...