How To Achieve Burial Insurance For Alcohol Abuse & Drug Abuse In 2024

Obtaining burial insurance for alcohol abuse and drug abuse is not as difficult as you may think. It is more accessible and hassle-free than many realize.

The recent passing of the widely cherished actor, Matthew Perry, has highlighted the critical need for advance planning in life’s unpredictable moments, particularly for those who’ve encountered struggles with substance dependence.

This poignant event serves as a powerful reminder of the importance of early preparation to alleviate potential hardships for our family members during tough times. Securing burial insurance is a key part of this preparation, offering reassurance that your final costs will be taken care of, preventing unnecessary financial burdens on your relatives.

This guide is dedicated to gently guiding you through the process of obtaining burial insurance, especially tailored for individuals with past or present battles with addiction.

Understanding Burial Insurance for Alcohol and Drug Abuse

Burial insurance with drug abuse is a type of life insurance that can cover the expenses of funeral arrangements. This type of insurance is usually provided to people who have died due to drug abuse and other causes, such as natural causes.

Burial insurance for drug abuse is designed to help cover the burial costs for individuals who die from accidental overdoses. It can also be used to cover the expenses of cremation or burial for those who have died in a car crash caused by a failed driver’s license suspension. You can also use burial insurance for drug abuse to help pay for funeral services for those diagnosed with cancer or other terminal illnesses.

The most common reason someone would want to purchase burial insurance with drug abuse is that they are concerned about how much their loved ones might need to spend on funeral services when they die. It can be incredibly frustrating if you don’t know what your loved ones want or need regarding funerals and burials until after they’ve passed away.

Symptoms of Drug Abuse:

Symptoms of Drug Abuse / Drug Abuse:

Symptom Checklist
  • Blurred vision
  • Slurred speech
  • Confusion
  • Feeling tired or sleepy
  • Nausea and vomiting
  • A sudden change in mood or behavior
  • Hallucinations (seeing things that aren’t there)
  • Irregular heart rate
  • Changes in appearance (weight loss, poor hygiene, red or glassy eyes)
  • Paranoia, anxiety, or hallucinations

What Does Burial Insurance Alcohol Abuse / Drug Abuse cover?

Burial insurance is a financial product that will help pay for your funeral and burial costs. You can choose the coverage you want, and the policy will provide you with a lump sum payment at the time of your death or some other point in the future if you decide to be buried instead of cremated.

The cost of burial varies depending on your age and whether or not you have children. If you have children, the price will increase because they will be expected to pay for their funerals at some point.

If you plan on being buried instead of cremated, then there will be no funeral home costs involved. It means that you may only have to pay for the price of a plot or crypt at a cemetery rather than an entire funeral home.

How Does Burial Insurance Alcohol Abuse / Drug Abuse Work?

Burial insurance works like any other type of life insurance policy. You pay premiums to the insurer, and if you die, your beneficiaries receive the benefits from the policy amount minus any non-cash benefits such as loans and other assets you transferred into the policy through your will. The insurer pays out your benefits on behalf of your beneficiaries in exchange for a death benefit payment from you or your spouse (depending on which type of payout option you selected when applying for coverage).

Does burial insurance Alcohol Abuse/Drug Abuse require any medical tests?

No medical test is required to qualify for burial insurance. Drug Abuse / Drug Abuse.

You don’t need to submit any medical documents or blood or urine samples throughout the application process. You need to answer a few basic questions about your health.

Usually, the insurance provider will approve you in no time!

Burial Insurance Underwriting With Alcohol Abuse/Drug Abuse

You must tell the truth on your life insurance application because underwriting determines how much you will pay and your ability to pay for coverage. During the underwriting process, insurance companies typically request the following information:

  • The insurance company will typically ask about your overall health and any disabilities you may have.
  • Prescription medications will also be discussed.
  • Furthermore, you may be asked for a list of hospitalizations.

Health Concern:

As part of the underwriting process, all life insurance companies ask health questions about Alcohol Abuse / Drug Abuse. Some insurance companies may ask about drug history.

  • What kinds of illegal drugs, alcohol, marijuana, hallucinogens, sedatives, or narcotics have you taken? 
  • Other than your prescription medications, what drugs have you taken now?
  • Other companies may be more specific, naming certain drugs in their questions. For example: “Have you ever used methamphetamine, Ecstasy, special K, GHB, Rohypnol, Ketamine, or any other street drug in the past 12 months?”
  • Please indicate which type of drug, how much, how often, and how long you have used the drug. Do you remember the last time you used the drug?

The HIPPA laws (Health Insurance Portability and Accountability Act 1996) protect your rights when applying for coverage. You are not at risk of law enforcement agencies using your Alcohol Abuse/Drug Abuse history against you. According to HIPPA, all the information you disclose on your application will be kept private and secure.

Check The Prescription history

If you are a person who is addicted to alcohol or drugs, then you should check the prescription history of your family member or friend. It will help in determining whether the person is using drugs or not. If he is using drugs, this can be used as evidence against him in case of an accident.

A prescription database check is conducted electronically by insurance companies, which provides information about all prescription medicines and how frequently you have filled the medications.

The insurer confirms your health status by asking health questions as part of the underwriting process. A health care professional will look at you to identify any “red flags” that could indicate drug abuse.

Common medications for Alcohol Abuse / Drug Abuse

Medication Information
  • Antabuse: Causes unpleasant side effects when alcohol is consumed to discourage drinking.
  • Acamprosate: Helps reduce cravings and promote abstinence in alcohol dependence.
  • Naltrexone: Blocks the effects of alcohol to reduce cravings and prevent relapse.
  • Barbiturates: Can aid sleep for stomach sleepers or those with sleep disturbances by promoting relaxation.
  • Benzodiazepines: Used to treat anxiety and insomnia by calming nerves and promoting sleep.
  • SSRIs: Antidepressants that increase serotonin levels to help reduce alcohol cravings and prevent relapse.
  • Codeine: An opioid used to treat pain and coughing, which can be addictive and may lead to dependence.
  • Oxycodone: A synthetic opioid for treating moderate to severe pain that can be addictive.
  • Dextromethorphan: Medication for coughing that can be addictive and may lead to dependence.
  • Fentanyl and analogs: Synthetic opioids for severe pain that can be highly addictive and may lead to dependence.

What is the advantage of burial insurance for Alcohol Abuse / Drug Abuse?

  • It provides financial relief to the family of a person who has died from an accident or illness resulting from alcohol consumption or drug abuse.
  • It can help pay for a funeral, which is much more than just burying your loved one in a hole. It can also cover additional expenses, such as funerals for other family members and friends, flowers, caskets, cremation, and more.
  • It provides peace of mind knowing that everything will be taken care of should the unthinkable happen.
  • It’s a way to give your family some financial security. It’s a way to help pay for the costs associated with your funeral.
  • It prevents you from having to pay for a funeral if you die while intoxicated or possessing illegal substances.
  • The process of filing claims can be complicated and time-consuming if you are dealing with an alcohol abuser or drug addict. An insurance policy will take care of all the legalities so that you do not have to worry about it after death.

Best insurance policy option for Alcohol Abuse / Drug Abuse

Drug Abuse Currently Use

Taking illegal or abusing prescription drugs will prevent an insurance company from offering you a level death benefit plan with first-day coverage. Your current drug regimen is one of the most important factors considered by the insurance company.

You may be eligible for a first-day benefit plan if you have been diagnosed, hospitalized, treated, or recommended counseling or treatment within the past two years. You will be covered from the first day, and your death benefit will be phased in over time. The best option is the first-day benefit plan.

You may face a contestability period when the company investigates your drug history if you die from a drug-related cause. In the event of a lie in your application, the death benefit will not be paid. The high premium or waiting period that can result from drug abuse can be offset by lying about it.

Drug Abuse Already Quit

Most life insurance companies won’t insure people with a history of substance abuse unless they have been sober for 18 to 2 years. Ex-drug addicts who maintain sobriety for at least two years are eligible for level death benefits with no waiting period and first-day coverage.

It would help if you kept in mind that your eligibility for a level death benefit plan depends entirely on the insurance company that you are applying to. An independent life insurance agency such as Funeral Funds can provide expert advice on your specific case. Each life insurance company has its underwriting criteria. The best option is a level death benefit plan with first-day coverage.

Burial Insurance With Alcohol Abuse / Drug Abuse

Use of Tobacco

Smoking can cause several diseases, which is why insurance companies view it as a higher-risk activity. Tobacco users pay twice more for life insurance due to the tobacco rating. A person who has not smoked for at least 12 months is eligible for the non-tobacco rate. Choosing a death benefit plan with first-day coverage provided by a level death benefit plan is best.

Illegal Drug Use

In the past, it could be challenging to be approved for life insurance if you were currently using several drugs, including opium, methamphetamine, cocaine, and heroin. If you abuse drugs, most companies will require 2-5 years of sobriety with no relapse or hospitalization before moving to the next stage of life insurance. Some insurance companies will give you first-day coverage for those who have been sober for more than 2 years.

Choosing a death benefit plan with first-day coverage provided by a level death benefit plan is best. If you have used illegal drugs before and are interested in burial insurance, you qualify for a guaranteed issue. People who struggle with addiction, have gone through a recent hospitalization, or have been incarcerated are limited to only one type of burial insurance coverage – guaranteed issue.

Alcohol Abuse

Drinking alcohol excessively is an addiction characterized by unhealthy behaviors, such as drinking alcohol misuse and abuse. A variety of health issues can be caused by alcohol abuse, including liver failure and depression.

Several companies will offer first-day coverage if you are diagnosed with alcohol abuse, recommended treatment, or receiving treatment for more than 24 months. The best option is a level death benefit. A life insurance policy issued by a guaranteed issue company would be your best coverage option if you are abusing alcohol or have used it within the past year.

CBD Oil User

Due to the growing number of U.S. states that are legalizing marijuana for medical purposes, the industry is becoming more tolerant of CBD oil users. A person using CBD oil may be eligible for first-day coverage if they are treating a minor health issue. If you are healthy and are treating your condition with CBD oil, you may be eligible for level death benefits.

You do not qualify for a level death benefit plan if you use CBD oil to treat a severe medical condition. You can get a life insurance policy with guaranteed repayment terms.

How much does burial insurance Alcohol Abuse / Drug Abuse cost?

Burial insurance Alcohol Abuse costs depend on several factors, including:

How much coverage you want: You can select from various levels of coverage, starting with a basic plan that provides essential protection at a low cost. Some policies offer a more extensive range, while others provide limited protection.

The type of coverage you select: Some burial insurance policies cover only funeral expenses, while others cover more than just the funeral and even include burial or cemetery plots. Some policies will cover cremation and burial costs; some aren’t available for cremation at all.

Your policy limits: Most policies limit the amount of coverage to $10,000 or more, but some companies offer policies that cover up to $50,000 or more if needed.

How long your policy lasts: A typical policy may last up to 10 years, though longer-term policies can be purchased at an additional premium rate (up to 20 years).

Your age and health status: If you’re young and healthy, then it’s unlikely that you’ll need more than $10,000 in coverage, but if you’re older or have health problems, then it’s likely that.

Top Go To Carriers over 2 years after treatment

Level | Immediate Day One Coverage
American Amicable Insurance Logo
Level | Immediate Day One Coverage

The Top Go To Carriers if Currently being treated

Great Western Insurance Logo
Plan Info
In Year 1 – 30% of the face amount
Year 2 – 70% of the face amount
For Year 3+ – 100% of the face amount
Mutual of Omaha Insurance Logo
Years 1-2 – ROP +10%
Year 3+ – 100% of the face amount
Royal Arcanum Insurance Logo
With Year 1 – ROP +4.5%
Year 2 – 25% of the face amount
After Year 3+ – 100% of the face amount

How do I apply for burial insurance? Drug Abuse?

The process is straightforward. If you fill out the form to the right, you will see the prices for our policies. In addition, one of our licensed agents will contact you.

After asking you a few health questions, we will contact you to verify a few basic details and determine your insurance rate class.

Once our agent receives your answers, they will start field underwriting. Once underwriting is complete, enrollment will begin.

Enrollment has 2 methods. Both methods are available.

  • In a three-way call, the insurance agent, you, and the carrier sign the application with your voice. Depending on the carrier, it can also be done with just you and the agent.
  • You will receive an email from the agent with a link to e-sign the forms via DocuSign. After that, the carrier makes an instant decision.

The process only takes 30 minutes instead of weeks or days.

What Are Drug Abuse Mortality Risks

Drug abusers face the following mortality risks:

  • They are at greater risk for accidents than non-drug users.
  • They are also at greater risk for suicide than non-drug users.
  • Drug abusers have a higher risk of heart disease and stroke than non-drug users.
  • In general, drug abusers have numerous medical problems that can lead to premature death, such as high blood pressure, diabetes, and HIV/AIDS (HIV stands for Human Immunodeficiency Virus).
  • Drug users often face a higher risk of respiratory infections like tuberculosis or pneumonia than non-users, due to practices like improper handwashing or sharing needles and intravenous equipment with others, which might be contaminated with diseases such as hepatitis B or C, both of which are forms of liver disease.

How to Get Approved for Burial Insurance Alcohol Abuse?

To determine your eligibility for coverage, please inform us whether you’ve faced any rejections previously. If insurers turned you down years ago but you’ve maintained sobriety since then, you might now qualify for a new life insurance policy with immediate benefits.

It’s important to recognize that most life insurance providers mandate a minimum two-year period of sobriety before approving an application.

Therefore, if you’ve been sober for two years or more, your likelihood of approval for a new policy significantly improves.

Related Articles


Q: Does burial insurance require a health examination for former addicts?

A: Burial insurance plans do not require a medical exam, offering what’s called “simplified issue” or “guaranteed issue” policies instead

Q: How quickly can a burial insurance policy go into effect for someone with a substance abuse background?

A: Depending on the policy, coverage can often start immediately, although some policies might have a waiting period before full benefits are available.

Q: What does guaranteed acceptance burial insurance entail?

A: This policy ensures acceptance without a medical examination, a key option for those with a substance abuse history.

Q: Can I purchase burial insurance for a family member with a history of substance abuse?

A: Yes, you can usually purchase burial insurance for a family member, but the individual will need to consent to the policy and may need to answer health-related questions or provide a medical history.

Q. How confidential is my substance abuse history when I apply for burial insurance?

A: Your substance abuse history is as confidential as any other medical information you provide to an insurance company, protected by privacy laws and regulations.


Burial insurance is a type of insurance that covers the costs of funeral and burial expenses. It is an essential type of insurance for people who want to make sure their loved ones are not burdened with the financial burden of their funeral expenses.

Matthew Perry’s untimely passing is a profound reminder of our own vulnerabilities, particularly within the community impacted by substance abuse.

In response, securing burial insurance is not only a practical step but a profound act of kindness towards your family.

With the appropriate coverage, you can ensure that your legacy is one of love and foresight, offering solace and stability to your loved ones when it’s most needed.

More Burial Insurance Resources