Can You Get Life Insurance if You Have Previously Used Suboxone?

Shawn Plummer

CEO, The Annuity Expert

Eligibility for Life Insurance After Suboxone Use

  1. Time Frame Since Last Use: Typically, insurers will consider your application if you have been off Suboxone for at least three years. This period allows them to assess your recovery and stability.
  2. Impact on Approval Process:
    • Within 3 Years: If it has been less than three years since you last used Suboxone, most insurers are likely to decline your application.
    • After 3 Years: Once you have surpassed the three-year mark, your chances of approval increase, assuming other health factors are stable.

Special Considerations for Business Owners

  • Business-Related Insurance: As a business owner, you might have better luck obtaining life insurance for business purposes.
  • Types of Policies: Common types are keyman insurance or buy/sell agreements.
  • Underwriting Criteria: These policies might have different underwriting standards, potentially making it easier to qualify.

Alcohol-Related Death Exclusion

  • Policy Exclusion: Many life insurance policies will include an exclusion clause for deaths related to alcohol use, particularly if there’s a history of substance use.

Life Insurance Options Post-Suboxone Use

Time Since Last Suboxone UsePersonal Life Insurance EligibilityBusiness Insurance OptionsAlcohol-Related Death Exclusion
Less than 3 YearsLikely DeclinePossible Acceptance (Keyman/Buy-Sell)Common in Policies
3 Years or MoreHigher Chances of ApprovalAvailable Options (Keyman/Buy-Sell)Common in Policies


Obtaining life insurance after using Suboxone is possible, particularly if it has been more than three years since your last use. Business owners have additional avenues through business-related policies. Be aware of exclusions for alcohol-related deaths in these policies. Understanding these nuances can help you navigate the insurance landscape more effectively.

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Shawn Plummer

CEO, The Annuity Expert

Shawn Plummer is a licensed financial professional, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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