Have you previously struggled with alcoholism and require life insurance? iLL specialises in finding policies and insurers for a range of addictions and mental health conditions, including alcoholism. We help people struggling or who have struggled with alcohol addiction to find cover that protects them and their loved ones. Using our simple comparison and matching service, your alcoholism life insurance application is presented to a network of FCA-approved impaired insurance specialists, helping you to find the right cover at a price that suits you.

The facts about alcoholism

Alcoholism is an addiction to alcohol which stems from the act of problem drinking. People suffering from alcoholism often place drinking alcohol above other activities and responsibilities, such as going to work or a place of education, family life and their relationships. Over time, alcoholics develop a tolerance to alcohol that can prove to be harmful to health.

It can be difficult to notice the signs of alcoholism, as alcoholics tend to display secretive behaviour regarding their drinking. Signs to notice include secrecy, a lack of interest in work, hobbies or family, intoxication, irritability, tiredness and a desire to drink at unusual times of the day. Mental health conditions such as anxiety and depression are often linked to alcoholism.

Treatments for alcoholism vary greatly, and their success depends on the alcoholic’s determination and willpower to get better. Cognitive Behaviour Therapy (CBT), counselling and support groups are common treatments that enable an alcoholic to change the way they think about alcohol.

As heavy drinking can take a toll on health and pose a significant risk to heart health, many insurers ask life insurance applicants about the number of alcohol units they generally tend to drink every week. Insurers can perform checks to ensure that applicants give correct answers to these questions. Whether you have recently received treatment for alcoholism or have struggled with alcohol in the past, it can be difficult to know where to find alcoholism life insurance that protects you and your family. iLL can help by matching you with the best insurers for your circumstances. To get started with your quick and easy quote, fill your details into our 30-second form.


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Where can I find alcoholism life insurance?

If you suffer from alcoholism, searching the market to try and find the right life insurance can feel confusing and even intimidating, especially if an insurer declines your application. Alcoholism is an addiction, and is strongly linked to mental illness. If you have previously experienced problem drinking which has developed into alcoholism, and you have been hospitalised or required emergency treatment for your addiction in the past, an insurer may be cautious about accepting your application for life insurance. All insurers have to underwrite applications they receive from customers looking for alcoholism life insurance, and need to assess their level of risk. Depending on the nature of your previous alcoholism and its severity, an insurer may place exclusions on your policy.

iLL enables you to find the right insurer offering the cover you need for alcoholism life insurance. We work with understanding and compassionate specialist impaired life insurance partners. Fill in our quick 30-second form to be matched with the best cover and provider for your needs.


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Premiums and costs for alcoholism life insurance

Prices from insurers will vary depending on their underwriting policy. iLL can help you to find the right alcoholism life insurance specialist. Depending on the severity of your previous alcoholism, the number of units you consumed, treatments undertaken, medications being taken and whether you have had a relapse, a loading fee may be applied to your policy.
A loading fee is an increase on the price you pay as a premium, depending on your level of risk to an insurer. If you have had a recent relapse of alcoholism or are still seeking treatment, an insurer may see your case as higher risk and apply a loading fee to cover this risk. In some cases, you may be declined for cover.
iLL’s specialist impaired life insurance partners can help you find the right FCA-regulated alcoholism life insurer that covers your needs. Save time, money and get your quotes in minutes by filling in our quick and easy form.


Get your alcoholism life insurance quote

Companies offering alcoholism life insurance

iLL is linked to many of the UK’s leading alcoholism life insurance providers, all of whom understand the sensitive nature of addiction. With our panel of FCA-registered impaired life insurance specialists, you can receive quotes from more than one alcoholism life insurance broker, helping you to find the right policy for your needs more quickly and easily. Simply submit your details through one of our online forms to be specially matched against the UK’s leading FCA-regulated insurance providers. This should help you to find:

  • Affordable alcoholism life insurance with an approved and regulated insurer
  • The correct amount of cover to ensure that all of your assets are protected
  • An understanding insurer with experience of dealing with applications for alcoholism life insurance

Get your alcoholism life insurance quote

Further cover for alcoholism life insurance

Critical illness cover for alcoholism

It can be hard to secure critical illness cover if you have a history of alcoholism. If you get a quick quote with iLL, you may find that you are referred to a specialist insurer. Many alcoholism and critical illness applications are handled in the same way as life insurance. An insurer will typically ask questions about your health and how much you drink, and whether you have had relapse or any mental health problems that are linked to your previous alcoholism.

Our quick and simple comparison tool makes it easy to find the right cover for alcoholism. Just fill in one of our 30-second forms to be matched to the right approved and vetted insurer for your circumstances, all at the most affordable price.

Help and support with alcoholism

Further information about alcoholism can be found by visiting the following links:




The purchase of alcoholism life insurance should be simple and easy to do. At iLL, we understand that having a past addiction such as alcoholism can make it tricky to find the right life insurer for your circumstances. We’re here to change that. Just fill in our easy 30-second form with your details to be referred to our specialist impaired life insurance partners for alcoholism life insurance. We can help you find the cover you need in the quickest time with no hassle or fees.