Many families have been touched by substance abuse. Our Dallas life insurance agency has non-profit board experience in the substance abuse realm, and realizes that it touches every economic group without discrimination.
DUI
Perhaps you have been issued a DUI in the past. While it is surely embarrassing, you should have taken the steps to ensure that it will never happen again and stopped drinking voluntarily. Jilek Risk Group in Dallas offers DUI life insurance underwriting for those that have experienced a DUI in the past.
Failed Prior Insurance Exam
Others may have never been caught driving while under the influence, but rather were discovered through an insurance application. Insurance companies use a test called CDT. It measures something called carbohydrate deficient transferrin. This test is extremely accurate and a retest is not allowed. If the test shows positive, you will need to enter rehab because it indicates long term alcohol abuse.
Recreational Drug Use
Insurance underwriters are aware that some people experimented with drugs in college or their early 20’s. There needs to be a clean break and no lapses since this experimental period and the current application. With the possible exception of medical marijuana, any other drug use needs to be zero. The recent legal changes of marijuana use in some states may change the underwriting metric in the future. Limited underwriters will approve limited use now for marijuana life insurance.
Prescription Drug Abuse
Prescription drug abuse is another area that has grown larger on the life insurance radar recently. The United States is the largest consumer of prescription pain medication. This is not a problem that will disappear overnight.
Supposing successful treatment for any of the above, the applicant needs to make a diligent effort to provide a data stream of compliance. Testing to prove that you are clean and sober (frequently and preferably voluntarily) will go a long way when our agency presents your life insurance case to the underwriters. Jilek Risk Group in Dallas, Texas may be able to provide you with life insurance even if you use medical marijuana, have had a DUI, or have had a history of drug abuse or substance abuse.