Many people enjoy a social drink, or a glass of wine with dinner. However heavy alcohol consumption may seriously affect your health and insurance companies could see it as a risk factor. This may affect the cost of life insurance in CA. Residents considering purchasing a policy may benefit from knowing how and why this is so.

Alcohol consumption is considered to be a health risk and life insurance companies may want to know your drinking level, just as they would want to know of any other risk factors such as high blood pressure, high cholesterol, excess weight and smoking. It’s important to answer medical questions truthfully to prevent your policy being affected if you are found to have not been totally honest. 

Your driving record may also be checked along with medical test results – for instance a blood test may show compounds in your liver that may possibly indicate a high alcohol intake. 

If you are refused life insurance in CA for whatever reason, it’s important to not give up too quickly – ask your agent to keep searching because you may find a company willing to insure you, especially if you are making efforts to control and / or reduce your alcohol consumption level. Please don't hesitate to contact one of our agents for further information.

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