#  During an application Will I be asked about recreational drugs use?

### 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 unusualrisks.com.au to handle all that for you.

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