The majority
of reproductive - age and pregnant women who
use opioids for
non-medical purposes also
use at least one other
substance, ranging from nicotine or alcohol to cocaine, according to a University
of Pittsburgh Graduate School
of Public Health analysis.
The biggest thing is making sure you can qualify for life insurance with SBLI, so lets cover (in general) what SBLI will and won't insure: SBLI Underwriting Uninsurable medical scenarios with SBLI: • Aids / HIV + status • ALS (Amyotrophic Lateral Sclerosis) • Alzheimer's disease or dementia or significant cognitive impairments related to functionality • Cancer diagnosis within last 2 years • Chronic pain treatment, severe, receiving disability, narcotic
use • Cirrhosis
of the Liver • Congestive heart Failure • COPD / Emphysema or chronic bronchitis - Severe or with current nicotine
use • Cystic Fibrosis • Defibrillator
use • Depression, severe, recurrent or with multiple in - patient hospitalization history • Diabetes with co-morbidities that include significant cardiac disease, or impairment
of renal function or mobility • Heart / Cardiac Disease - multiple vessels diagnosed within 2 years or any past history with current nicotine
use • Muscular Dystrophy • Multiple Sclerosis, if symptoms progressing • Organ Transplants, in most scenarios • Quadriplegia • Pulmonary hypertension • Renal failure, Renal insufficiency - severe • Stroke within 1 year • Suicide attempt within 5 years • Surgical repair
of heart valves, aneurysms, intracranial tumors, major organs within six months, including gastric bypass Uninsurable
non-medical scenarios: • Marijuana
use, 4 or more times weekly •
Substance abuse / misuse within last 5 years • Criminal activity - any history within the last 10 years • DUI, more than 2 or under age 25 if within 1 year • Unemployed (other than homemakers or retired) with minimal household income or dependent on SSI / disability benefits • Bankruptcy filing within 2 years • Liens / Judgements - outstanding activity that exceeds $ 50K