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Can a life insurance claim be denied for alcohol use?

By Caroline Cornell

March 17, 2023

Home » FAQs » Can a life insurance claim be denied for alcohol use?

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Yes, life insurance claims can be denied if alcohol use contributed to the insured’s death in some cases. Insurance companies must determine that the death was not a result of excessive alcohol consumption. If there is evidence that the death was caused by intoxication, the claim may be denied. The insurer will take into account any medical records, autopsy reports, and other factors in making this determination. If the insurer finds evidence that alcohol contributed to the cause of death, the claim may be denied. The insurance company may also require a toxicology report to determine if alcohol was involved in the death.



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