Why this is harder than standard underwriting
Carriers look for sustained sobriety (often three to five years), documented treatment completion, and current sobriety markers. Time-since-last-use is the dominant underwriting factor.
How we help
We map your recovery timeline to the carriers most likely to issue at favorable rates and structure guaranteed-issue alternatives for shorter recovery windows.
What you can expect
- No-cost pre-screen with no impact on your insurability
- Carrier-by-carrier underwriting roadmap
- Guaranteed-issue and modified-benefit alternatives if needed
- Honest answers - no over-promising
- Coordination with your physician and medical records
Other complex situations we handle
- Life insurance for cancer survivorsCoverage for survivors of breast, prostate, colon, lung, and other cancers - including those with active follow-up surveillance.
- Life insurance for people with diabetesCoverage for Type 1, Type 2, and gestational diabetes - including insulin-dependent and controlled-by-diet profiles.
- Life insurance for heart attack and stroke survivorsCoverage following heart attack, stroke, CABG, stent placement, AFib, or controlled hypertension.
- Coverage for chronic kidney disease (CKD) and dialysis patientsLife and Medicare coverage for CKD stages 1-5, including dialysis recipients and transplant candidates.
- Insurance for organ transplant recipientsCoverage for kidney, liver, heart, and other organ transplant recipients.