Alcohol

Alcohol dependence is a chronic disease involving a craving for or physical dependence on alcohol which results in a person's inability to control drinking despite the consequences.
Deprivation will generally result in withdrawal symptoms such as tremor, anxiety and delusions.
Treatment of alcoholism is withdrawal and total abstinence, psychotherapy and adequate nutrition.

What information should my client provide?

Additional alcohol related questions will be automatically asked by the underwriting system

Facts:

Alcohol dependence is most common in 18-24-year-olds and least common among 65-75-year-olds.

76% of the Irish population drinks alcohol, with 53% of drinkers doing so at least weekly.

Source: www.alcoholireland.ie

Likely Underwriting acceptance:

	Life Cover	Specified Illness Cover	Income Protection	Bill Cover
Less than 1 year abstinent	Postpone	Postpone	Decline	Postpone
Over 1 year abstinent	+50 -300 % depending on length of abstinence	Postpone	Decline	Postpone
Over 3 years abstinent	+50 -200 % depending on length of abstinence	+100 -150% depending on length of abstinence	Decline	In certain cases, cover may be available please contact underwriting to discuss these cases.

Please note that likely acceptance terms are indicative only and cases are subject to full underwriting.