Does Life Insurance Cover Alcohol Related Deaths?

30 Second Answer

No, life insurance does not cover alcohol-related deaths.

In the event that an insured person dies as a direct result of alcohol consumption, or from injuries sustained while under the influence of alcohol, does their life insurance policy still cover them? The answer, unfortunately, is not always cut and dry.

There are a number of factors that come into play when determining whether or not a life insurance policy will pay out in the event of an alcohol-related death. The most important factor is usually whether or not the use of alcohol was considered to be “excessive.” If the insured person was consuming alcohol at moderate levels and under the supervision of a doctor, for example, then it’s likely that their life insurance policy will still pay out. However, if the insured person was engaging in risky behavior while under the influence of alcohol – such as driving drunk or operating heavy machinery – then their life insurance policy may very well be voided.

In addition, some life insurance policies contain clauses specifically excluding coverage in the event of death by alcohol or drug abuse. So even if an insured person wasn’t engaging in any risky behavior while under the influence of alcohol, if their life insurance policy contains such a clause then their beneficiaries may still be left empty-handed.

Generally speaking, then, it’s best to err on the side of caution when it comes to drinking and life insurance coverage. If you’re concerned that your drinking habits could jeopardize your life insurance policy, it’s best to speak with your agent or insurer to get clarification. And if you’re looking to purchase a new life insurance policy, read the fine print carefully to make sure that you’re not inadvertently excluding yourself from coverage.


Most life insurance policies exclude death caused by alcohol, but there are a few companies that will cover you. If you’re considering life insurance and you drink alcohol, it’s important to know which companies will cover you in the event of your death.

What is life insurance?

Life insurance is a contract between an individual and an insurance company in which the insurer agrees to pay a designated beneficiary a sum of money in the event of the insured person’s death. The amount of money the insurer pays out depends on the terms of the contract, which can vary greatly. Some life insurance policies only pay out if the cause of death is an accident; others will pay out regardless of the cause of death. Alcohol-related deaths are typically not covered by life insurance policies, as they are considered to be self-inflicted and preventable.

What does life insurance cover?

Most life insurance policies cover accidental death regardless of the cause. So, if you die in a car accident, or from drowning, or from a fall, your beneficiaries will receive the death benefit. However, f you die of alcohol poisoning, they will not receive the death benefit.

What are common exclusions to a life insurance policy?

The common exclusions to a life insurance policy are deaths from risky activity, like skydiving, rock climbing, or drug or alcohol abuse.

When you’re shopping for life insurance, it’s important to be aware of the common exclusions that could cause your policy to be voided. Here are some of the most common exclusions:

Death from a risky activity: If you die while participating in a risky activity, like skydiving or rock climbing, your death will likely be excluded from your life insurance policy.

Drug or alcohol abuse: If your death is caused by drug or alcohol abuse, it will not be covered by your life insurance policy.

These are just a few of the most common exclusions to life insurance policies. It’s important to read the fine print of your policy and make sure you understand what is and isn’t covered. Otherwise, you and your loved ones could be left without the financial protection you thought you had in place.

To better understand how these exclusions might play out, let’s look at a few examples:

Example 1: George is an avid rock climber and has a life insurance policy with a $500,000 death benefit. However, his policy has an exclusion for death due to risky activities. If George dies while rock climbing, his family will not receive the death benefit from his policy.

Example 2: Sarah is struggling with addiction and has a life insurance policy with a $250,000 death benefit. However, her policy has an exclusion for death due to drug or alcohol abuse. If Sarah dies from an overdose, her family will not receive the death benefit from her policy.

Here are some key points to remember about life insurance exclusions:

  • Death from a risky activity is typically excluded from coverage.
  • Drug or alcohol abuse can void a life insurance policy.
  • It’s important to read the fine print of your policy so you understand what is and isn’t covered.

No one wants to think about their own mortality, but it’s important to be prepared for the worst. If you have life insurance, make sure you understand the terms of your policy so that you know what is and isn’t covered. That way, you can rest assured that your loved ones will be taken care of financially if something happens to you.

Does life insurance cover alcohol-related deaths?

Most life insurance companies will not cover alcohol related deaths. This is because alcohol is considered a major health risk and therefore insurers view it as too high of a risk to cover. However, there are some insurance companies that will cover alcohol-related deaths, but they will typically charge a much higher premium for this coverage.

How does life insurance work?

Most life insurance policies will not pay out if the policyholder dies due to alcohol-related causes. This includes deaths due to drunk driving, alcohol poisoning, or other accidents or illnesses caused by excessive drinking. Some policies may have exceptions for accidental deaths, but these are typically very limited.

Alcohol-related deaths are typically excluded from life insurance coverage because they are considered preventable. Insurance companies view alcohol use as a risky behavior that policyholders can choose to avoid. By excluding these deaths from coverage, insurers can keep their premiums lower for all policyholders.

What are the benefits of life insurance?

There are many benefits of life insurance, including:

  • Provides financial security for your family in the event of your death
    Can help pay off debts and expenses, including your mortgage
    Can be used to help your family maintain their current lifestyle
    Can provide funds for your children’s education
    Can be used as an estate planning tool

In addition, life insurance can provide peace of mind knowing that you have taken steps to protect your loved ones financially.

What are the drawbacks of life insurance?

There are a few drawbacks to life insurance. One is that it can be expensive, especially if you are young and healthy. Another is that it only pays out if you die within the term of the policy, so if you live to a ripe old age, your beneficiaries will not receive anything. Finally, some policies have exclusions for certain causes of death, such as suicides or deaths due to alcohol or drug abuse.

How much does life insurance cost?

How much does life insurance cost? This is a common question with many people believing that life insurance is too expensive. The cost of life insurance is determined by many factors, including the person’s age, health, and lifestyle.

A healthy 30-year-old non-smoker can purchase a $500,000 20-year level term life insurance policy for about $16 per month. So for less than $2 per week, this person has peace of mind knowing that his or her family will be taken care of financially if something happens to him or her.

Of course, the cost of life insurance goes up as a person gets older and if the person smokes or has health problems. A 40-year-old smoker can expect to pay about 5 times more for a similar policy than the 30-year-old non-smoker. And a 60-year-old smoker can expect to pay about 10 times more.

Despite the fact that life insurance rates have been increasing in recent years, it is still very affordable for most people. In fact, 85% of Americans say they are “Very” or “Somewhat” confident that they would be able to find an affordable life insurance policy if they needed one (according to LIMRA’s 2015 Life Insurance Ownership Study).

So don’t let the cost of life insurance be a barrier to protecting your family. Work with an experienced life insurance agent who can help you find the right policy at the right price.

How to get life insurance?

There are many different types of life insurance policies available on the market, and choosing the right one can be confusing. The best way to determine which type of policy is right for you is to consult with a life insurance agent.

Most life insurance policies are either term life insurance or whole life insurance. Term life insurance provides coverage for a specific period of time, usually 10-30 years. Whole life insurance provides coverage for your entire lifetime and generally has higher premiums than term life.

When you apply for life insurance, the insurer will ask you questions about your health, lifestyle, and family medical history. They will also require a medical exam. Based on this information, the insurer will determine your risk profile and assign you a premium.

It is important to shop around before you purchase life insurance and to compare premiums from different insurers. You should also make sure that the policy you choose has adequate coverage for your needs.


Based on the findings of this investigation, it can be concluded that life insurance does not cover alcohol-related deaths. The policyholder’s death must be accidental in order for the beneficiaries to receive the death benefit. If the policyholder’s death is deemed to be self-inflicted, then the beneficiaries will not receive any money from the life insurance policy.

Kylie Mahar

Kylie Mahar is a financial guru who loves to help others save money. She writes for, and is always looking for new ways to help people make the most of their money. Kylie is passionate about helping others, and she firmly believes that financial security is one of the most important things in life.

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