Can Drug Addicts Get Life Insurance? 
Current drug addicts can get life insurance if the policy is a guaranteed issue policy . There is a minimum age for this type of coverage that is usually age 40 + and the policy will be graded during the first few years for all but accidental death . Drug addicts who are currently using drugs can also get accidental death coverage . This type of insurance will usually only pay the death benefit if death is caused by accidental death not related to drug use , and it will not pay for death due to natural causes of any kind . Drug addicts who have gone through treatment and have had a number of years pass since they used drugs can get simplified issue life insurance that may or may not be graded . If the drug treatment was long ago with no relapses , recovered drug addicts can even qualify for medically underwritten coverage . 