alcoholism

"The World Health Organization has estimated that, by 2020, motor vehicle accidents (MVAs) will be second only to ischemic heart disease as a cause of years of life lost and third as a cause of disability after ischemic heart disease and depression." "Although alcohol-related fatal crashes were substantially reduced between 1982 and 1995, there has been little change over the last 10 years."

People stop consuming alcohol for a variety of reasons. Some of those reasons – for example, joining a religious group where alcohol use is frowned upon or finally capitulating to nagging by a teetotaling spouse – have no insurability implications.