Have you been declined for life insurance due to Cocaine Usage History?
The good news is there is hope.
In fact, tough life insurance cases are our specialty at High Risk Life Insurance Agency.
Your Answers in 2 Minutes
Stick with us for two minutes, and you’ll have two important questions answered:
1. Can you qualify for life insurance with Cocaine Usage History? And if so…
2. How much will it cost?
Yes, most individuals with Cocaine Usage History will be able to qualify for traditional life insurance, the type of insurance which requires a medical exam.
But you will need to speak with a knowledgeable, independent agent, who is licensed with several life insurance companies for your best chance at approval.
Best Case Scenario – If Cocaine Usage History is detected early, chronic symptoms controlled and complications to the brain, lungs, liver or kidneys are prevented, most cases may have a “Mild Substandard” rating. Provided, however, three years have passed with no Cocaine usage and no withdrawal symptoms were manifested. Click here for quote at “Mild Substandard”.
Moderate Case – Those with mild complications of acute or chronic Cocaine overdose that warranted an emergency management may still qualify for a “Medium Substandard” health class. It is, however, very important to establish that no long-term complications to the kidneys, brain or lungs occurred as a result of the incidence of over dosage. Click here for a quote at “Medium Substandard”.
Note: Three years postponement from the time of withdrawal from Cocaine Usage History is required before an appropriate rating is determined. You may have difficulty qualifying for traditional coverage, but could be eligible for a graded death benefit policy.
Common Questions to Assess Rating Class
If you’re unsure which of the above health classes to quote yourself at (Mild Substandard or Medium Substandard), please see the questions below:
How many years is your Cocaine Usage History?
Cocaine Usage History has the potential to cause debilitating and even life-threatening complications, especially with long term use. That’s why it’s important to know the number of years of use; the longer the history of abuse, may require a more thorough evaluation to establish the absence of complications.
You might also be interested in reading this article “Life Insurance Approval with Alcohol Treatment History”
Have you experienced any symptoms within the last six months?
Symptoms of hypertension, chest pain or increased temperature may be flare signs of a serious complication, which may earn you a higher standard rating.
Have you been referred for any psychological evaluation?
This may not be a good sign because it may pose a relapse of your Cocaine Usage History. Insurance companies may require further medical and psychological evaluation before a rating can be determined.
Do you have a history of other drug or substance abuse?
History of other drug or substance abuse other than Cocaine may be a sign of a serious psychological problem, which may require further evaluation. In case you may not qualify for the traditional coverage, you may still get a graded death benefit policy.
If you don’t seem to fit into one of the ratings above, I recommend requesting life insurance quotes from “standard” to “severe standard” so you understand the range of possibilities.
Using the Instant Life Insurance Quote form on the right, select the rating class that best suits you based on your answers to the questions above, as well as complete the amount and type of coverage needed.
An estimate will appear on the next page. If we can help you with a quote or to apply for coverage, call us at 877-443-9467.
Overview of Cocaine Usage History
Cocaine is known scientifically as benzoylmethylecgonine, which is classified as a stimulant drug. It is used as a surgical anesthetic that acts as a potent vasoconstrictor, but becomes fatal in high doses.
This coca plant also acts as a topical anesthetic, appetite suppressant and as a serotonin–norepinephrine–dopamine reuptake inhibitor, which makes it highly addictive.
Cocaine has several medical effects, and among them includes feelings of euphoria, alertness, increased motor energy, confidence and sexuality. These symptoms may last between 15 to 30 minutes and can either be acute or chronic in nature.
There are, however, adverse reactions that include paranoia, restlessness, agitation and anxiety. In serious overdoses, convulsions, tremors and fever may be observed.
Acute reactions from Cocaine Usage History may produce hallucinations, itchiness, delusions and increased heart rate. In chronic cases, individuals experience insomnia or oversleeping, persistent runny nose, insatiable hunger, and generalized aches and pains.
In serious Cocaine Usage History these symptoms may be marked by very high temperature, increased blood pressure, chest pain, lung collapse or kidney failure, each has the potential for a life threatening condition.
See our other articles on Drug and Alcohol Issues and Click Here!