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Why do insurance companies turn down people with a history of drug use?

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Wiki User
2008-07-30 12:20:48
2008-07-30 12:20:48

This really isn't an Insurance Question - It's a "Medical Question" One - My Father and Grandfather were also an Insurance Agents. They taught me that if the client can pay the premium - we have a policy for them. Basically the general rule of Insurance is that they are insuring the average general population at the regular price. If you have an issue that makes you "riskier" then you either don't get the coverage or you pay a higher price. If you were a lot healthier - then you would want a lower price than everyone else.

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