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Oct 01 2010
home loan bad credit the easiest way
Home Loan - Bad Credit The Easiest Way While many people think that you can't get a home loan if you have bad credit, this simply isn't true. The fact is you can get home loans with bad credit or any kind of credit rating there are many companies
Feb 20 2010
axa posts 2ndhalf profit on lifeinsurance business
Axa Posts 2nd-Half Profit on Life-Insurance Business February 18, 2010, 06:32 AM EST By Fabio Benedetti-Valentini Feb. 18 (Bloomberg) -- Axa SA, Europe’s 2nd biggest insurer, posted a 2nd half profit after a rally in financial markets supp
Feb 20 2010
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Study: R.R.'s $5B Pension Gap is 4th Worst PROVIDENCE Rhode Island has promised $12 billion to its public employees in pension, health and other retirement benefits but has only allocated $6.8 billion to pay for them, according to a study rel
Feb 17 2010
cheap health insurance quotes where americans are finding them
Cheap Health Insurance Quotes – Where Americans Are Finding Them A new online petition being circulated by the political action committee, MoveOn.org is well ready to get the attention of America’s top health insurers. The petition demands that “
Feb 17 2010
irs helping some with health insurance
IRS Helping Some With Health Insurance DETROIT, Feb. 15 (UPI) -- Thousands of qualified workers in Michigan who lost their jobs or retired have signed up for an IRS program to bear health insurance costs, a money manager estimated. The Health C
Feb 17 2010
sun life fourthquarter earnings more than double
Bloomberg Sun Life Fourth-Quarter Earnings More Than Double By Sean B. Pasternak (Bloomberg) -- Sun Life Financial Inc., Canada’s third-largest insurer, said earned more than doubled as stock markets bounced back. Outcomes benefited from
Feb 16 2010
health insurance costs break through earth orbit
Health insurance costs break through earth orbit 4:13 pm February 15, 2010, by ctucker From Associated Press: Consumers in at least 4 states who purchase their own health insurance are getting hit with premium increases of 15% or more — and people
May 01 2009
insurance companies and prescription drugs
Insurance companies and prescription drugsThe prescription manufacturers set their own prices and they often build a large profit margin to regain cost spent on researching, manufacturing and advertising. The health insurer analyzes each drug on the
May 01 2009
what are health savings accounts
What are health savings accounts?When someone speaks about health savings accounts, questions always arise in our minds about what is meant by health savings accounts. How do they work? Why is it so special? Health savings accounts have two parts in
May 01 2009
what are ppo and hmo
What are PPO and HMO?A PPO is a Preferred Provider Organization and HMO stands for Health Maintenance Organization. To speak about HMO, we can save a lot of money by paying a low premium amount since the insurance company has negotiated discounts on
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LIFE INSURANCE FOR PEOPLE WHO USE DRUGS AND ALCOHOL
If you have been involved in substance abuse in the past but haven't used drugs or alcohol for a while, you could be eligible for great rates for life insurance. An insurance exam and your medical records could determine that you are insurable and eligible for some good savings on your life insurance.

Using drugs and alcohol make you a higher risk to the life insurance companies. Drugs and alcohol create health problems and as well indicate that you may have uncontrollable behaviour when you're under the influence. Over the years life insurance companies have found it costly to insure people who abuse alcohol and drugs. Since then, they have developed stronger more stringent rules for people who have abused alcohol and drugs in the past.

So, if you are sober and haven't abused drugs or alcohol, and would like a great quote on life insurance, please start by filling out the form above. We will have a qualified representative that will get back to you.

If you would like to quotes for more than one person, you can return to this quote form as often as you like and submit as many quote requests as you like.

WHAT TO DO:
If you consumed drugs or alcohol and want to get a life insurance policy, the best thing to do is to fill out the form above so that we can have on or our life insurance agents contact you. They will be able to advise you if you are eligible or not.

If our life insurance representative feels that enough time has lapsed since your last usage or drugs or alcohol, he will take your application and then book you for a medical test. The medical test is free and is absolutely no obligation. The medical will give the agent and life insurance company an idea of what your risk level / rates would be should the life insurance carrier decide to insure you.

CONVENIENCE: The nice thing about our life insurance medical testing is that it can be done confidentially in the convenience of your home or office. You wouldn't be required to leave work and sit in a long line up at your local medical clinic.

START NOW:
If you've abused drugs or alcohol or any other substance in the past, it is possible to get life insurance. Please take a moment to fill out the form above to get started. We will have an agent contact you right away to let you know how we can help you. The best thing is to get a start right now.

Drugs alcohol Substance Abuse Life Insurance SECTION: LIFE INSURANCE HEALTH