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Important Life Insurance Tips for Suboxone Users

Researcher & Writer
April 29, 2020

Suboxone is one of those medications which will typically trigger an automatic decline on any traditional term or whole life insurance policy.  The reason for this is because Suboxone is a prescription medication that is used to help treat heroin addiction and/or dependence on other opiate medications/drugs.

What if I’m not using Suboxone anymore?

Now if you’re no longer taking Suboxone, and you are no longer using any illegal or prescription medications, you could be eligible for a traditional term or whole life insurance policy.

What you going to find is that the longer you’ve been drug-free, the better your chances will be to qualify for a traditional term or whole life insurance policy.

Questions insurance companies will ask to learn more

The life insurance company will have more questions around your use of Suboxone. You can expect questions similar to the following:

  • When were you first prescribed Suboxone?
  • How long did you take Suboxone?
  • Who prescribed your Suboxone?
  • What types of drugs/medications were you addicted to?
  • Did you attend a rehab center?
  • Were you ever hospitalized due to your drug use?
  • Do you have any residual medical issues due to your drug use?
  • Have you suffered from any relapses?
  • Are you currently working now?
  • In the past 12 month’s have you applied for or received any form of disability benefits?
  • Do you have any issues with your driver’s license?
  • Have you ever been convicted of a felony or misdemeanor?

Now with these answers in hand, the insurance companies will generally have a pretty good idea about what type of life insurance policies you will and won’t be eligible for.

What if I only need a small amount of coverage?

That not everyone is really looking to purchase a large life insurance policy.  Many folks would simply like to purchase a small policy that would be able to coverage the cost of their final expenses.

For these folks who aren’t looking for a larger life insurance policy and would be completely satisfied with about $25,000 dollars in coverage, assuming that they are over the age of 45, there should be plenty of options for them to choose from that won’t require them to answer any questions about their current state of health or their current or prior drug use.


If you are currently using Suboxone you will likely find it difficult to qualify for a traditional life insurance policy. Though as mentioned if you are over 45 and in need of a small amount of coverage you will still have options. 

If you no longer use Suboxone, then you could qualify for a traditional term or whole life policy. Your best bet is to speak with a life insurance agent. They will learn more about your unique needs and help you find the best option. 

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