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Drug Use Life Insurance


We specialise in helping people who may have taken drugs in the past to find life insurance. We can also help you with your other insurance needs, such as critical illness insurance, income protection insurance and travel insurance.

We are experts in knowing which insurers will consider your application, given your drug history, with a wealth of knowledge and years of experience. Most importantly, we do all the work for you making this a hassle-free and streamlined process.

Whilst we can’t always guarantee that we can get you insurance if you have taken drugs, rest assured that we won’t leave any stone unturned. We will give you an honest assessment as to whether you will be able to get life insurance, as well as an indication of how much it might cost.

If there is a choice between insurers, we will help you find the insurer who is willing to offer you cover at the cheapest rate, so you can be confident in knowing you have the best deal.

We will do all the paperwork for you, and will keep you updated throughout so that you know how things are progressing.

We have a team who are specialists in helping ex drug users to find life insurance, and they are always on the end of the phone to discuss your needs or concerns. We are a UK based company, you will not have to talk to foreign call centres.

So if you want the peace of mind of having some life insurance in place, we are the people to help.

These are just two of the testimonials we have received after finding life insurance for clients who have a history of drug use:

“From start to finish, the service has been excellent. The simple fact is that without Life Insurance Help, I would have no cover at all. They managed to get me an excellent policy, that was actually cheaper than my declined application would have been! I fully recommend this service to anyone who has had trouble getting life cover. Excellent!”

“I had struggled to get life insurance for months so I called Life Insurance Help and they couldn’t have helped me more. They were so kind and patient, and put me at ease straight away. I cannot thank them enough, I will always remember the excellent service I received. Thank you again.”

So please get in touch and tell us about your circumstances, and we will help you find the insurance you need.

Drug Use Support

Besides helping you obtain Life Insurance if you have a history of drug use, we want to provide our customers with as much help as possible in dealing with their pre-existing condition.

The two sections below, Useful Links and About the Condition, aim to do just this.

We hope you find the information on this page useful, if you have any other information that you feel would be of benefit to other sufferers, please let us know.

Drug Use : Useful links

Support groups and useful information for people who have previously used drugs.
Action on Addiction
Families Anonymous
Addicts Families
Narcotics Anonymous
Turning Point

Drug Use : About the Condition

The definition of drug addiction has changed in recent years. The term was previously applied only to such ‘hard’ drugs as heroin, where there are obvious signs of tolerance and physical dependence in regular users, and a painful or even life-threatening physical withdrawal syndrome when drug use is stopped. Psychiatrists now use the term ‘substance dependence’ to include both psychological dependence (where there may be no obvious withdrawal syndrome or tolerance) and physical dependence.

Drug addiction is a disease. Although initial drug use might be voluntary, drugs have been shown to alter brain circuitry, which in turn can affect human behaviour. Once an addiction has developed, these brain changes will interfere with an individual’s ability to make voluntary decisions. This can lead to compulsive drug craving, seeking and use.

Use of drugs can be classified as:
- Abstinent - No use is made
- Controlled - People have made a conscious decision, have evaluated the risks and can stop if they want
- Impulsive - Use is unpredictable and can lead to unexpected accidents and harm. However there is not continual use or dependency
- Habitual - The use of drugs have become a significant and important part of the person's life-style. Stopping would not be easy
- Dependent - There is a high degree of physical and psychological addiction. Drug use disrupts or rules the person's life. Stopping is not possible without considerable support.

Illegal drugs are divided into three different categories, or classes : Class A, B and C.
Ecstasy, LSD, heroin, cocaine, crack, magic mushrooms and amphetamines (if prepared for injection) are categorised as Class A drugs.
Amphetamines, Cannabis, Methylphenidate (Ritalin), Pholcodine are Class B drugs.
Class C drugs include tranquilisers, some painkillers, Gamma hydroxybutyrate (GHB) and Ketamine.

There are physical, psychological and social problems associated with drug use:

Physical complications of drug use include brain damage, lung damage, stomach damage, and damage to all the internal organs of the abdomen. Drug use can also cause skin, muscle and nerve damage. A whole range of illnesses are associated with drug use including cancers, infections, trauma, ulceration, diabetes, cirrhosis and others. Effectively, the list of physical illnesses caused by drug use is endless.

Psychologically, drug use can precipitate all kinds of psychiatric illnesses from schizophrenia to manic depression (bipolar disorder) to depression, anxiety and panic attacks. Dementia may also occur as a result of drug use.

In terms of social problems, drug use may be responsible for relationship breakdown, unemployment, financial problems and legal problems. More than this, addictive drug use will tend to predominate over all other social activity, leading to loss of all previous hobbies and interests.

There are a number of different forms of treatment available to help someone to cease drug use. These include medical treatments for drug use, psychological treatments and social treatments for drug use. However the saying that admitting you have a problem is half of solving the problem is very applicable. The next step is to get support.

If you're physically addicted, it may be dangerous just to stop - especially if you're using alcohol or tranquillisers. Even if it isn't dangerous to stop abruptly, a doctor may be able to prescribe medication to help you through the first phase of withdrawal.

Not all family doctors are happy to help with this problem, so if yours isn't, it is probably best to approach your local drug dependence unit (DDU), as well as getting other forms of support and counselling from the Support Groups listed above.


About Life Insurance for Drug Users

A life insurance policy is designed to pay out a lump sum upon the death of a person or persons named on the policy.

Most people understand that if they have a family or significant liability, then life insurance is a vital product to make sure the people and things they care about are protected.

There are many different types of life insurance available depending on your needs. The good news is that we are able to help you with all of them.

We take the time to ensure that our customers have the most appropriate life insurance to meet their needs, whilst also making sure that the price is right. Some of our most satisfied customers came to us as they were unable to obtain the life insurance they wanted elsewhere.

We can't guarantee that we can get you life insurance, but we will leave no stone unturned. Given our experience, if we are unable to get you life insurance cover, it is unlikely you will be able to get it at all. We will however give you a good understanding on future insurability, and an honest assessment of your situation.

Whatever your life insurance needs, we are able to help you. We have access to all the products from all of the UK's leading insurance providers.

Life Insurance Help Contact Details
Platinum Financial Consulting
The Old School House, East End Road
Bradwell-on-Sea, Essex, CM0 7PY

Telephone : 020 33 55 4831               Fax : 0871 277 1422          Email :


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FCA Registration Number : 227014

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