Life Insurance For Recovering Alcoholics
Alcohol consumption is widespread among Americans. And for most, drinking alcoholic beverages poses almost no threat to well being or life expectancy. For those who abuse alcohol, it can have a significant effect on longevity. If you have a history of excessive alcohol consumption, you most likely have to pay an increased premium on your life insurance policy or could possibly be declined depending on the severity of alcohol abuse. When shopping life insurance quotes for recovering alcoholics it is important that the history of alcohol abuse be factored into the life insurance quotes. Ultimately, the life insurance underwriter is going to review medical records (paying close attention to records in relation to treatment for substance abuse and psychiatric illness), lab results, social profile, motor vehicle reports (and DUI or DWI), and physical findings to determine the risk in connection with recovering alcoholics.
Some Complications Of Alcohol Excess That May Impact Life Insurance Quotes Are:
- Cardiac: Hypertension, cardiomyopathy, atrial fibrillation
- Nervous system: Brain damage, tremors, psychosis, blackouts, delirium tremens (DTs), seizures, peripheral neuropathy, balance and gait impairments
- Bone marrow: Abnormal blood counts including anemia
- Gastrointestinal: Fatty liver, hepatitis, pancreatitis, cirrhosis, varices, diarrhea, cancer, gastrointestinal bleeding (sometimes massive) due to gastritis
- Psychiatric and social: Suicide, violent behavior, depression, anxiety, marital/occupational/familial problems, abuse of other drugs as well as alcohol
- Miscellaneous: Aspiration pneumonia, accidents and trauma
Risks Associated With Alcoholism
Alcoholism is a primary, chronic disease with genetic, psychosocial, and environmental factors influencing its development and manifestations. The disease can be progressive and fatal. It is characterized by impaired control over drinking, preoccupation with the drug alcohol, use of alcohol despite adverse consequences, and distortions in thinking, most notably denial. Each of these symptoms may be continuous or periodic.
- Binge drinking is highly risky for accidental mortality. It is defined as heavy drinking to the point of intoxication on a periodic basis.
- Risky drinking (per the NIAA – National Institute on Alcohol Abuse and Alcoholism) is:
For men, > 14 drinks per week or > 4 per occasion
For women, > 7 drinks per week or > 3 per occasion
Note: One drink = 12 g of pure alcohol = 12 oz of beer = 5 oz of wine = 1.5 oz (a jigger) of hard liquor.
In addition to the risks that are associated with alcoholism, the underwriter also will look at favorable historical details like: participation in Alcoholics Anonymous, voluntary initiation of treatment, single period of treatment or hospitalization, maintenance of a stable family life, steady employment, financial solvency, and overall good health without reports of violence or arrests. If the individual is able to successfully stop drinking alcohol without relapse, after seven to ten years, the mortality rate approaches that of the general population.
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