Yes. Everyone gets asked the same question about recreational drugs

As part of the general underwriting process, insurers ask a standard question about recreational drug use similar to:

  • “Have you ever injected, smoked or otherwise taken recreational or non-prescribed drugs, taken any drugs other than medically directed or received advice and/or counselling for excess alcohol consumption from any health professional?”

Past moderate use may result in an increase to an insurance policy premium as would a history of drug-induced psychosis.

Current harder use may result in an automatic decline for a fully underwritten insurance policy. These same questions often don't get asked as part of the application questions for an accidental death or accident income protection policy. Speak with us about this issue further. Either way, that's why you need a specialist at to handle all that for you.

Speak with us about this issue further. Either way, that's why you need a specialist at to handle all that for you.

About Us

Unusual Risks Insured provides support to those people who big insurance companies leave behind. We believe in giving every person the power to use life insurance products to protect & provide for their loved ones, their businesses, and their legacy — free from barriers of stigma and discrimination.

We know, as an LGBTQIA+ person (or someone who goes without labels entirely), you probably have specific financial advice, life insurance, and privacy needs.

  • We're committed to serving the LGBTQIA+ Community and its Allies.
  • For us, it's about change leadership and #AdviceEquality.

Why not make us part of your story, so if the unexpected happens to you or whoever is family to you, you'll have a backup plan in place to help you financially recover and life can still get better for somebody you love.

#LoveTakesAction  #AdviceEquality  #PrideInAdvice

contact drew browne advisor Unusual Risks Insured and Sapience Financial

Drew Browne, Senior Advisor

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