Life Insurance for active drug users (except marijuana) for recreational purposes, is not currently available within the UK insurance market. Life Insurance after drugs have stopped being used can be available once a few years have passed. Any application that you place for Life Insurance will be considered on its individual merit based upon the drugs that were used, how often you used the drug, any long-term complications that developed and the time since you last took drugs. It is likely that if the drug that you used can be injected, that you will be asked to undergo a HIV test (a simple blood screen).
Life Insurance for marijuana users can be placed with specialist insurers at ordinary rates, but you will probably be classed as a smoker and placed on standard rates for a smoker. Stronger drug use such as cocaine, heroin or steroids will need to have been stopped for a few years in order to apply for Life Insurance, at which point it is likely that your policy will have some premium loadings. Where drug use has been severe and/or recent the application may be declined.
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Critical Illness Cover
Critical Illness Cover for active drug users of cocaine, heroin or steroids is not available at the present time. Critical Illness Insurance for marijuana users can be available with specialist providers but again you will probably be classed as a smoker, receiving ordinary rates for a tobacco user.
If you have previously used cocaine, heroin or steroids and have been free of the drugs for a number of years, you may be able to place your application with specialist insurers. The longer the time period that you have been clean the better; five years would be an ideal amount. The insurer will want to have a clear picture of your health and may ask about any lasting complications that you have from the drug use. Heavy drug use within the last five years will probably result in the policy being accepted with a medium to heavy loading or declined.
Income Protection for active recreational drug users is not available at the present time. Marijuana users can have their applications considered by a few select insurers, but as with the above policies you will likely be classed as a smoker and placed on smoker rates.
Previous users of cocaine, heroin and steroids will have their Income Protection applications considered provided that all drug use has stopped. The longer the time period since the drug use, the better the terms will be on the policy you are offered. Any significant medical conditions that you have as a result of your drug use will need to be detailed to the insurer and claims related to your existing illness excluded from the policies claimable set.
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Some potential problems experienced by individuals who have used drugs include:
- Nasal perforation
- Perforation of the stomach or intestines
- Counselling (solo and/or group)
- Drug replacement therapy
- Going cold turkey (this should be discussed with your GP first)
- Professionally managed withdrawal