Life insurance is a product based on risk assumption, and because of this, anything that increases risk makes insuring someone more problematic. Alcohol consumption is a behavior that can increases the risk of early mortality both directly and indirectly. The Centers for Disease Control and Prevention (CDC) reports 79,000 binge-drinking related deaths each year; and many serious health issues are caused by alcohol consumption.
Life Insurance and Alcohol Use
The use of alcohol will not necessarily disqualify anyone from obtaining life insurance. It can, however, make things more difficult on the applicant. Generally, life insurance providers don’t screen for alcohol in the bloodstream during life insurance medical exams. Instead, what physicians are trained to look for is evidence of frequent, habitual use. They do this by screening for elevated liver enzymes.
• Elevated enzymes are a sign of abnormal liver function. Thi
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