Last Updated on April 15, 2017 by lifepolicyshopper
Qualify For a Burial Plan With Alcohol and Drug Abuse
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You may qualify for a state-regulated program to pay for your final expenses. It is important you know how to qualify for this life insurance benefit available to you. This benefit will pay for 100% of all funeral expenses up to $35,000. This payment is tax free for Virginia residents. You are entitled to receive no-cost information as a resident of Virginia. IMPORTANT – Return this postage paid card within 5 days.
If you are currently undergoing treatment for alcohol and drug abuse or you’ve completed a rehabilitation program you may qualify for a life insurance policy with the following guarantees:
These programs have the following guarantees
1. First Day Coverage. You are fully protected the very first day your coverage goes into effect with no exclusions and no waiting period.
2. Ease of issue. No physical exams.
3. Your premiums will never go up. Lock into a rate at your current age and the cost will never increase regardless of changes to your health and age.
4. You benefits will never go down. Regardless of changes to your health and age.
5. All programs build cash values.
6. The benefit is paid to your beneficiary tax free on the worst week of their life.
7. Your policy can never be cancelled as long as premium payments are made.
8. This is a protected asset that you will never be forced to liquidate.
Alcohol and Drug Abuse
Addictions to alcohol and/or psychoactive drugs are serious and chronic diseases that can be life-threatening. Both interfere with physical and mental health, family and social relationships, and occupational responsibilities. Addiction is a physical and psychological dependence on or need for a potentially harmful drug or alcohol. Addiction cuts across all social and economic groups, involves both genders, and occrs at all stages of lifecycle, beginning as early as elementary school.
There are two types of addictions: abuse and dependence. The difference between abuse and dependence is the presence of tolerance (increased substance use to achieve previous affects) and withdrawal (negative physical symptoms that occur after periods of abstinence) in dependence. Polysubstance dependence is the use of three or more substances (i.e., alcohol and two or more psychoactive drugs) indiscriminately chosen by a person who has no primary alcohol and/or psychoactive drug of choice.
Alcohol dependence – Drinking is most prevalent between the ages of 21 and 34, but about 19% of 12 to 17-year-olds have a serious drinking problem. Men are five times more likely than women to abuse alcohol. Alcohol abuse is a factor in approximately 41% of all traffic accidents.
Psychoactive drug addiction – Commonly known psychoactive drugs of abuse are opiates or narcotics, stimulants, depressants, tetrahydrocannabinol (THC), hallucinogens, inhalants, and steroids. Other drugs of abuse include over-the-counter (OTC) medications (i.e. cough syrup, antihistamines) as well as several unconventional methods of substance abuse such as huffing paint fumes or gasoline (inhalants). Tobacco or nicotine is also a psychoactive drug of abuse.
The most dangerous form of any addiction or abuse is when users mix multiple drugs simultaneously including alcohol. Also significantly lethal is the use of drugs and alcohol while taking prescribed medications that may have heightened side effects due to their combined use.
Alcohol addictions – Individuals are unable to control their drinking even when it becomes the underlying cause of serious harm, including medical disorders, marital difficulties, job loss, and traffic accidents. Individuals dependent on alcohol develop a craving that must be satisfied. They experience impaired control and are unable to stop drinking once they start. When they stop drinking after a period of heavy use, they experience unpleasant physical ailments from withdrawal that include nausea, sweating, shaking, and anxiety. They drink to stop these symptoms and thereby develop a greater tolerance for alcohol.
Psychoactive drug addiction – Signs and symptoms of drug addiction depend on the particular drug. Symptoms of opiate or narcotic dependence can include needle marks, scars, from shins abscesses, rapid heart rate, constricted pupils, and a relaxed or euphoric state. Symptoms of hallucinogen dependence include anxiety, frightening hallucinations, paranoid delusions, blurred vision dilated pupils, and tremor.
Total abstinence from alcohol and the drug or drugs of choice is the only effective treatment. There are many programs aimed at detoxification, rehabilitation, and aftercare that can be helpful to both clients and involved families. Long-term successful treatment will also depend on individuals in recovery filling the place that alcohol or the abused substance once occupied in their life with something constructive. Research has shown that it may take multiple attempts for recovery, recognizing that each attempt toward recovery may lead to longer periods of abstinence.
There are multiple types of treatments for alcohol dependence such as methadone or those that reduce the pleasurable effects of alcohol or cause a negative reaction to its use. Methadone treatment reduces heroin use by 69%, according to recent reports by the National Institute on Drug Abuse (NIDA). Methadone and other medicinal treatments are controversial; some believe it is replacing one drug with another. The main component of methadone and medicinal treatments that is different from drugs of abuse is that tolerance and withdrawal factors are not associated with methadone and similar drugs.
If you have a history of alcohol and drug abuse and looking for a burial plan or a small whole life insurance policy you should contact us at LifePolicyShopper.com. We will work with you to find the best coverage possible based on the time of your last event recorded from the courts, prescription history, medical records, driving records, rehab facilities or criminal background checks. We commonly help people secure guaranteed issue overage at a reasonable rate and once they exceed a number of months since their last recorded event we can place you with first day coverage.