Does Alcoholism Void Life Insurance? 
Life insurance policies are rarely voided . There is a specified period , normally two years , during which the company can deny a death claim if it is determined that the applicant made false representations on the application . I chose the word representation deliberately . An applicant is only bound by their personal knowledge and is therefore not responsible for any diagnosis made after the application is taken . The answers to questions are based upon the knowledge of the applicant not the actual state of affairs . One of the symptoms of alcoholism is denial and if the applicant does not believe themselves to be an alcoholic and no medical professional has diagnosed them as being an alcoholic , the insurance company would be hard pressed to ever deny a claim in the first two years . After the first two years pass the company can not deny a claim . 