Harpinder Sidhu

  Life insurance is a contract between the insurer and the insured that pays out a lump sum in the event of death. It is meant to provide economic protection for your dependents, or your estate. The insured person pays premiums in return for this protection. When you apply for life insurance, you must undergo a medical examination to determine your eligibility and risk factors. Your health is an important factor because if you are diagnosed with a chronic condition, such as alcoholism, it can affect your ability to get life insurance coverage. For an occasional social drinker and otherwise have good health, it will not have too much of an impact on your life insurance rates. The short answer is that alcoholics can get life insurance, but it will be more difficult to qualify for the best life insurance rates. If you are an alcoholic and you are looking for life insurance, there are some things you need to know. You will not qualify for the same rates as a non-alcoholic and your prem