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Can drug users buy life insurance?

We thought this would be a great blog because today, 26 June, is ‘International Day against Drug Abuse and Illicit Trafficking’

What's today all about?

Around 10 years ago, the UN Office on Drugs and Crime, (“UNODC”) adopted a political declaration on the global drug problem, saying:

"Drugs destroy lives and communities, undermine sustainable human development and generate crime. Drugs affect all sectors of society in all countries; in particular, drug abuse affects the freedom and development of young people, the world's most valuable asset."

Today, UNODC aims to raise awareness of the major problem that illicit drugs represent to society. No individual, family or community is safe where illicit drugs take control. Around 200 million people are reported to be using these drugs worldwide including

  • 162 million users of cannabis and hashish
  • 35 million users of amphetamine, methamphetamine and ecstasy
  • 16 million users of opium, morphine, heroin and synthetic opiates
  • 13 million users of cocaine.

So, how about life insurance for drug users?

Mortality statistics indicate that people using illegal drugs will have shorter lives... the heavier the user the shorter the life!

Drug users are more likely to die earlier from any number of causes, such as respiratory problems, immune disorders, cancer, heart problems, stroke or an accident.

So... if you have a history of consuming illegal drugs you could potentially be heavily loaded... even as much as 200% to 400%.

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