Alcohol consumption

Why alcohol is an important factor in underwriting and how do we use this information for risk assessment?

Underwriting consideration

Full application disclosure including the level of alcohol consumption. We ask the applicant to supply as much information as possible. Full disclosure by the applicant allows us to make a fair and accurate assessment, while lack of information means we have to make assumptions which could result in terms being harsher or cover being declined.

Occupation: Especially those connected with high alcohol intake or the sale of alcohol.

Patient Health Report (PHR) and/or medical examination with details of past and present alcohol consumption, complications or treatment  may be requested.

Results of any investigations: Particularly Liver Function Tests (LFTs) or other alcohol markers.

Clinical signs on examination.

Statistics

After smoking, alcoholism kills more people in the UK than any other drug, it is therefore a relevant risk factor.

1 in 13 adults is dependant on alcohol.

33,000 people die each year to alcohol-related incidents or associated health problems.

Alcohol is involved in 15% of road accidents, 26% of drownings and 36% of death in fires.

A quarter of accidents at work are drink related * Females have a lower alcohol tolerance than males.

Further details can be found on Alcoholics Anonymous website.

Health Risks

  • Cirrhosis of the liver
  • Cancers of the mouth, oesophagus, pharynx, larynx and liver
  • Alcohol related anaemia and nutritional disease
  • Pancreatitis
  • Heart muscle damage (Cardiomyopathy)