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 on the standard insurance market. Critical Illness Insurance for drug users can be available with specialist providers, but you will find that you will be excluded for any claims relating to your drug use. If you smoker marijuana you will be classed as a smoker, receiving the same premiums rates as 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.
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Income Protection for active recreational drug users is only available with specialist insurers. Marijuana users can have their applications considered by a few select insurers, but as with the above policies you will be classed as a smoker and placed on smoker rates. You may find that the best Income Protection options for you, are provided through an employer funded scheme. This is known as a Group Income Protection policy and it could be arranging through your employer, or your own company.
Previous users of cocaine, heroin and steroids may have their Income Protection applications considered by a broader range of insurers, 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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