I need life insurance but I'm prescribed Suboxone for pain medication addiction from surgery..can I get a policy for $100,000? 
Pain medication does not necessarily decline you . It 's very possible to get coverage . The risk classification is what determines the rates . You can be approved , but it may be at a standard or substandard risk class for the condition the pain medication was being used for in combination with the pain med addiction . The concerns carriers would have is whether the drug is being abused , how much is being taken , and why it was being taken in the first place . As you 're still under the treatment process of getting off of the pain medications , then you may want to consider securing a term insurance policy now and then review the coverage after the treatment has been completed to see whether you can be rewritten with a lower premium . Typically , insurance companies want to see a period of stability -LRB- e.g. 2 years , 3 years , etc. , varying by company -RRB- as the more time that passes without a relapse the less likely it is to happen - which in turn means the less risk to the carrier and a more favorable risk classification -LRB- meaning lower rates -RRB- . Also , you noted `` after survey '' which I assume was supposed to read `` after serving '' as in military service . If so , a number of other factors would also be considered during underwriting regarding service history , such as are you still an active member , scheduled to travel outside the country , where you travel to , and related items . What you should do before applying for any coverage , is to shop the case through an independent agent who can compare multiple companies for you to find out who will work most favorably with your medical history - there is no cost to doing so . Every carrier has their own underwriting guidelines so some companies may be able to offer a more favorable risk class than others for you . Determining the risk class you may qualify for with carriers is the most important factor in determining what the rates would be . The risk class directly determines the premiums for a policy 's coverage amount and benefit guarantee period . If you 'd like some help gathering the most accurate quotes and securing the coverage at the lowest cost , please send me an e-mail via the contact me button next to my name with your name and contact information to reach you at . I hope the information is helpful - thanks very much . 