What happens to premiums if an applicant has excessive alcohol use?

When an applicant has excessive alcohol use, premiums typically increase due to the associated health risks. Insurers assess applicants based on their overall risk profile; excessive alcohol consumption can lead to a variety of health complications, including liver disease, certain cancers, and cardiovascular problems, which can decrease life expectancy. Since life insurance is fundamentally about risk management, underwriters will likely view an applicant with a history of alcohol abuse as presenting a higher likelihood of making a claim in the future. Therefore, to mitigate their potential financial risk, insurers will often impose higher premiums for individuals categorized as high-risk due to their alcohol consumption. This reflects the importance of accurate risk assessment in life insurance underwriting.