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Online Insurance Marketplace Explains Alcoholism And Life Insurance Without Medical Exams
Date:11/16/2013

(PRWEB) November 16, 2013

Online Insurance Marketplace has released a blog explaining the relation between alcoholism and life insurance!

Alcohol, like any other vices, plays an important part in the underwriting process for a life insurance policy. Alcoholism can lead to numerous terminal diseases and even to car accidents or other drunk-related situations. All of these can put the insured’s life in danger, so an agency will be less likely to insure someone with a history of alcohol abuse. Alcoholics, usually do not get life coverage, but recovering alcoholics have fair chances of being eligible for a plan. Casual drinking will mostly not affect life insurance premiums. In general, admitting to drinking more than two glasses of alcoholic beverages per day will have a negative impact on life insurance premiums.

Life insurance without medical exams, although it has a simpler underwriting process, still takes into account drinking and alcoholism. Although applicants do not have to take a medical exam to be eligible for a plan, they still have to answer a medical questionnaire. The medical questionnaire, just like any other insurance application form, will have several questions: the applicant will always be asked how much he or she drinks and if there is a history of alcoholism involved. But, unlike traditional life insurance policies, life insurance without medical exams do not ask for physicals, so it is harder to review an applicant’s health. Someone who has a pre-existing condition can get life coverage a lot easier this way!

“Alcoholism will always have a negative impact on life insurance rates! People should consider drinking less if they want better rates for their life insurance plans!” said Russell Rabichev, Marketing Director of Internet Marketing Company.
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Source: PRWeb
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