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substance abuse history life insurance

Post image for Alcoholism and Life Insurance | What You Need To Know

Alcoholism is a term used for problems with alcohol, levels that interfere with health, relationships, social and occupational responsibilities. Factors in life insurance underwriting with alcoholism:   Dates of treatment and diagnosis? Any relapse from abstinence? Any legal problems? Liver enzymes readings? Any health problems? Any drug abuse history? Medications:   Pediapred Liquid, Medrol(generic=prednisolone) Femiron, Feosol (generic-iron supplement) Epogen, Procrit (generic-epoetin alfa) FA8 (generic-folic acid) Life insurance companies rating classes:    •Preferred Plus •Preferred •Standard Plus •Standard Determining your rate with a history of alcoholism:   More than 10 years complete abstinence from alcohol= likely Preferred Plus More than 5 […]