Recreational drug use is a known increased risk to both mortality and morbidity.
The drugs question is only presented to customers applying for Life Cover, Critical Illness Cover (CIC) and Waiver of Premium (WOP). It isn't asked on Income Protection Benefit (IPB) applications because there is a standard policy exclusion.
Life / Critical Illness Cover (CIC) and Waiver of Premium
During the last 5 years have you used any of the following?
- Recreational drugs other than Cannabis, for example Cocaine, ecstasy or heroin
- Anabolic steroids not prescribed by a Doctor
We'll only use the answer to this question to assess your application and at Claim stage. Therefore there is no 'legal implications' in answering 'yes' to this question.
If this application question is answered 'yes', we will decline cover.