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Facing life after addiction is a huge achievement. But it can feel like the world isn’t ready to give you a fair chance, especially when it comes to life insurance. We believe everyone deserves financial security, no matter their past.

We started over 20 years ago, providing life insurance for extreme sportspeople and those in dangerous jobs. Over time, we’ve expanded to help people with pre-existing conditions, including recovering addicts. We are here to provide life insurance to all of those who need it most.

If you’ve suffered from addiction in the past and are interested in getting life insurance then get your free, no-obligation quote today. Use the form below or call us on 0345 565 0935.

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Life Insurance for Recovering Addicts

Overcoming addiction is one of the hardest things anyone can do. Whether it’s alcohol, drugs, or other substances, leaving that life behind takes courage and strength. But even after recovery, finding life insurance can feel like another uphill battle.

Addiction can have long-term effects on your health, both physical and mental. This means insurers may see you as a higher risk. As a result, life insurance for ex-addicts can come with higher premiums. However, it’s not impossible to find cover.

The type of addiction, how long you’ve been clean, and your overall health will all play a role in your application.

The Financial Impact of Addiction

Addiction doesn’t just take a toll on your health but it can also devastate your finances.

Medical Costs: Addiction often leads to health issues that require ongoing treatment.
Lost Income: Time spent in recovery or dealing with addiction can mean missed work opportunities.
Debt: Many people struggling with addiction face financial difficulties, including debt.

Life insurance can help you rebuild. It provides a safety net for your loved ones, ensuring they’re protected if the worst happens.

Can I Get Life Insurance as an Ex-Addict?

Yes, you can. We work with insurers who specialise in covering people with complex histories, including recovering addicts. Most insurers will want to see at least 2 years of being clean before offering cover. The rates and extent of your coverage will depend on several factors, including:

How long have you been clean? The longer you’ve been in recovery, the better your chances of securing affordable cover.
What substance were you addicted to? Some substances carry higher risks than others.
Your age and medical history: These will help insurers assess your overall health.
Your lifestyle: Factors like smoking, alcohol consumption, and exercise habits can affect your policy.

Our team will work with you to find a policy that fits your needs. We understand every situation is unique, and we’re here to help.

The Benefits of Life Insurance for Recovering Addicts

Life insurance isn’t just about planning for the future, it’s about protecting your loved ones. Some other benefits of securing life insurance are the following:

Financial Security for Your Family: A life insurance payout may help cover daily expenses, debts, and future costs.
Legacy Planning: Leave a financial legacy for your children, contribute to a charity, or pay off outstanding debts like a mortgage.

Why Choose Sports Financial Services?

Experience: Over 20 years of helping people with pre-existing conditions, dangerous sports enthusiasts, and high-risk occupations.
Understanding: We know how to navigate complex insurance needs.
Tailored Plans: We work with a wide range of insurers to find the right cover for you.
Competitive Rates: We strive to offer great value while meeting your specific needs.
Compassionate Support: Our friendly team is here to listen and guide you without pressure.

Pre-existing Condition Life Insurance

We provide life insurance for a wide range of different conditions. These include:

Take the First Step Today

Recovery is a journey, and you don’t have to face it alone. Let us help you find the financial security you and your family deserve.

Get your free, no-obligation quote today.

Use the form below or call us on 0345 565 0935.