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<... |
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Additional Details
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mgaribay74 | Can a person be denied for a life insurance just because a of past drug addiction? |
2 years ago i was arrested for possesion and use of illegal drugs i did 3 months and jail went into rehab for a year, I have been clean and sober for 2 years and few months, I recently try to get a Life Insurance And I got denied my metlife and 90 others companies according to my broker. the Reason my felony for drug possesion!
Additional Details
I live in California, |
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parkermbg
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there is a much lower rate of recidivism (relapse) once you get five years clean. many insurance carriers know this and take it into account. i suggest you keep staying clean (good for you btw) and be able document the fact that you have been clean that long. then take another run at getting insurance. |
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RONALD C
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Hope this resources is useful for your question,It is working for me.Have a look,it is free. http://www.InsuranceFreeTip.info/insurance-for-free.htm |
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src50
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Yes. |
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David & Elizabeth S
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Yes you can be denied for a past drug addiction. Every company has different underwriting guidelines so it doesn't mean that you may not get coverage, if your broker ran it past 90 companies, it seems like a lot for him to do.... ask which ones.
If it really was 90 then a good option for you would be to look for some type of guaranteed coverage with out any underwriting. These types of policies have a graded death benefit for the first 2 years or so, they are whole life and build a cash value. |
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♥ deonnaashmore ♥
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That is pretty typical. Because drug dependency is such a risk, life insurance companies usually like to wait about 7-10 years before offering coverage. |
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mbrcatz
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Yes, they can. Life insurance can be denied for just about any reason.
And it's not the past drug addiction that's doing it - it's a felony conviction. Although that drug addiction sure doesn't help the situation. |
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princesscl
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Yes, most certainly. Considered engaging in risky behaviour. High mortality! |
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Freedom
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Yes you can be denied due to drug abuse. Some companies will accept you and give you a higher premium. They figure that people with a history of drug use are at higher risk of hear attack and other cardiovascular diseases. What State do you live in? I may be able to check with a company that I Have insurance through. |
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Insurance Pickle.com
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Yes, even if you just went to rehab for a week you'd have a very difficult time getting coverage. A felony conviction doesn't help your cause at all either.
The insurance companies understandably don't want to accept that risk. |
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