Chemical attack

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Alcoholism and drug abuse are serious medical conditions that can prove fatal. Christina Sharples explains how underwriters view applicants with a history of these disorders

Sensible drinking limits were defined as a weekly alcohol consumption of less than 21 units for men and 14 units for women in the Government White Paper, 1992. One unit of alcohol is equivalent to half a pint of average strength beer, lager or cider, a small glass of wine or a standard pub measure of spirits. Alcohol abuse is defined as a pattern of heavy alcohol intake with associated social dysfunction and effects on health. Alcoholism is defined as a craving and/or physical dependence where a person is unable to exercise restrain over drinking despite the consequences. For underwriting...

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