Social Drinkers Beware

As well as having a pre-existing condition, being a heavy smoker, contracting a fatal illness and being slightly overweight it appears there is another clause that could mean your life insurance premiums may rocket through the roof.

Those that drink, even moderately have been advised that it in all likely hood it will affect any premium quoted. Usually the question on the medical page of any life insurance application which states, how many units per week do you drink, may usually be viewed with slight reservation now it may encourage outright pokies from clients as well as a perceived invasion of privacy.

Even if you drink one or two glasses of wine a day, this could be enough to see an increase in your insurance.

Official rules state that women should drink no more than 14 units of alcohol a week and men 21 units. If you calculate one unit to the equivalent of half a pint of beer, a small glass of wine or one shot of whiskey then you may be able to better visualize our perceived limits.

Experts agree that the strictness within the insurance field may affect middle-aged consumers the most and in particular women as their limit is lower than men.

The increases, if related to the maximum amount allowed by government standards, 21 units, show women to be shelling out £50 more on their cover a year and a man £100 more.

The battle has well and truly commenced with reports of insurance companies even checking medical notes in order to ascertain the amount its client guzzles. Anyone drinking over 50 units may be refused cover altogether.