Alcohol consumption refers to the pattern and quantity of alcoholic beverage intake, ranging from light social drinking to heavy chronic use. In underwriting, both frequency and volume matter, as well as any associated medical, legal, or occupational problems. Moderate alcohol consumption may have limited impact on insurability, while heavy drinking, binge episodes, or a history of alcohol-related incidents can signal alcohol use disorder and elevated risk of liver disease, cardiovascular issues, accidents, and mental health conditions. Carriers consider self-reported alcohol consumption, laboratory markers such as liver function tests and CDT, and medical records when assessing mortality and morbidity risk linked to alcohol use.

Advisors discuss alcohol consumption during the application interview, encouraging clients to answer honestly about drinks per day or per week and any DUIs, rehabs, or treatment history. Underwriters may ask for clarification if reported intake seems inconsistent with lab findings or medical notes. Elevated liver enzymes or other red flags can prompt deeper investigation into drinking patterns. Advisors help clients understand that understated alcohol consumption can lead to misrepresentation issues if later claims investigations reveal heavier use. In sensitive cases, producers may consult impaired-risk specialists to find carriers more experienced with mild-to-moderate alcohol histories. Understanding alcohol consumption from an underwriting perspective helps advisors frame candid conversations that protect both coverage eligibility and long-term client health.