1. 60 POINTS
    Rebecca Pollack
    There are some insurance companies that will still allow you to get life insurance even if you have had a DUI. There are some easy issue life insurance policies that are available to individuals that are seen by the insurance agency as a higher risk. There is usually a cap to the death benefit you can have with these policies. These easy issue policies usually only ask a few health related questions to determine eligibility. The rates tend to have a little higher monthly premium because there is a higher risk involved.

    Some policies include a built-in accidental death rider that pays double the face amount on the policy. Individuals that have made a bad judgment call when they were intoxicated are seen as a higher risk. Companies want to be able to put a limit on the amount they would have to payout in this instance. The unfortunate part of this is that most of us make one mistake and it haunts us for the rest of our lives. There is usually not a time limit associated with this question on the application. That means, even if it only happened once and it was a decade ago, you may not be able to get that particualar policy.

    But the good news is that you will still be able to find some life insurance for yourself because there are policies available to you. Make sure that you find the right one though because if you are denied from one, you may not be able to get insurance for two years from any company. Be open and honest with your agent because a good agent will find the policy that you can qualify for.
    Answered on February 20, 2013
  2. 365 POINTS
    Lee Martinez
    Owner, The Sentry Agency, California
    Absolutely. You can get Life Insurance with multiple DUIs. However, cost, company selection and amount may be limited depending on how you answer the application. Your agent needs to include a cover letter that gives the details of the DUIs, how many, dates, court out comes. But other factors as well such as , circumstances and lifestyle then and positive changes now. Are you a member of AA? Have you stopped drinking? Who are you today? The agent also needs to include a detailed alcohol and drug questionnaire. The agent can pre shop the case to several carriers before submitting. You do not want the case sent out to just any company. If the DUI was a few years ago the case could come back a standard issued policy.
    Answered on April 5, 2013
  3. 63333 POINTS
    Peggy Mace, Certified Senior Advisor (CSA)®PRO
    CEO, Outlook Life, Inc, Most of the U.S.
    Getting life insurance with a DUI is possible. The price you pay will largely depend on how long ago the DUI occurred. If there was alcohol treatment involved, and a second DUI occurred after that, you may not be able to get a medically underwritten policy, but will be able to get a simplified issued policy a year or two after the last DUI.
    Answered on September 30, 2013
  4. 37376 POINTS
    David G. Pipes, CLU®, RICP®PRO
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    The underwriting staff of a life insurance company estimates the degree to which a case is “non-standard.” A DUI would put a person in that category; however, there will be degree and individual judgment involved. It is possible that favorable life insurance rates would be available to someone with a DUI if it time has passed, treatment has been secured and there haven’t been recurrences.
    Answered on January 6, 2015
  5. 21750 POINTS
    Jim WinklerPRO
    CEO/Owner, Winkler Financial Group, Houston, Texas
    That's a great question! There will definitely be more hardships after having your DUI, but finding a life insurance policy won't be the worst of them. There are companies out there that don't ask questions, they're generally more expensive, and don't have high death benefits, but they'll insure you. Be aware that all guaranteed issue policies will come with a period of time (2-3 years, usually) where the death benefit is limited to premiums paid, and some interest. Best thing for you to do is get yourself back on track, and pick up one of these policies to be safe. God bless you, and thanks for asking!
    Answered on January 26, 2015
  6. 10968 POINTS
    Tim WilhoitPRO
    Owner, Your Friend 4 Life, Brentwood TN
    There are carriers that will forgive a first offense DUI under the right circumstances. If there are more than one it will become difficult to secure a full underwritten life insurance policy for good rates. I highly recommend using an experienced independent life insurance broker to shop the market for you to find the best deal for your unique situation.
    Answered on February 16, 2015
  7. 723 POINTS
    Everett Debrow, Jr.
    Principal Agent, Patriarch Associates,LLC, Opelika, Alabama
    You absolutely can get life insurance with a DUI on your record, though there may be limits on the amount of the face value. In today's environment of guaranteed issue, there are not many entities that are prohibited from coverage. With adverse situations such as a DUI, any policy that is not guaranteed issue will most likely be rated; more than one DUI will be looked upon in an unfavorable light by most underwriters, and will definitely be rated. This not only will result in higher rates, but may also result in limits on the amount of coverage provided. Short answer - yes you can get coverage with a DUI on your record.
    Answered on April 7, 2015
  8. 196 POINTS
    John Cornwell
    Blacksburg,SC
    Simple answer.....there are quite a few companies that will do this....be prepared to pay a much higher monthly premium if they issue your policy though.....and every company will have this high rate...so shop around a lot before you buy.....smiles.....or just let someone else drive next time if you can.
    Answered on November 6, 2015
  9. 12 POINTS
    janice hendricks
    Insurance Broker, Janice Hendricks Agency,
    yes you can however be mindful the increase in the premium amount. I would strongly suggest that you shop around and get various quotes. If you have a good driving record prior and depending on the carrier you might be forgiven the first time. I would suggest shop, shop and shop around before making a final decision.
    Answered on December 17, 2015
  10. 2775 POINTS
    Joe 'Gravy' GravesPRO
    Owner, I Hate Buying Insurance, Nashville TN
    All great answers above.... Yup... the "what, when, where, etc." is the key. ALSO... how much coverage are you trying to buy?? There are many "guarantee issue" plans out there (depending on age). Some are instant coverage while others have a "ramp up" period before you get full coverage. "Might be" an option... yet we don;t know enough ab out you (age, sex, other history). I once placed 5 policies in force for one dude... he needed a specific amount for his divorce. The judge didn't care about the cost because of the underwriting mess he created. So... 5 policies. He's now down to 2 policies 3 years later.

    When I played high school basket ball, Air Jordan's first arrived. EVERY KID wanted them. Yet, even way back then, they were SOOOO expensive (like your life rate will be right now). Did I say, "Screw you Jordan" & go and play barefoot? NO... I bought "what i could" (OK. Dad bought what he could) & I played. I was still a starter. I still won a trophy at the tournament. Just like with your car insurance, the more time that passes, the less you're penalized for the DUI. Each year you can assess your situation for a "better value". Suggestion... Do what you can right NOW & let time fix the rate issue.
    Answered on February 13, 2016
  11. 11773 POINTS
    Larry GilmorePRO
    Agent Owner, Gilmore Insurance Services, Marysville, Washington State
    Can I get life insurance with a DUI? Possibly, It will depend on the insurer and what you're willing to pay. A DUI creates a risk situation most carriers don't want to deal with because of the possibility of it happening again. It's a sign of a bad risk. Most carriers require a 5 to 10 year wait to get coverage. Coverage at a higher rate than a person without a DUI would pay. There are some companies that will underwrite, expect to pay a lot more to get coverage from them.
    Answered on March 10, 2018
  12. 181 POINTS
    ted bernstein
    Owner, Life Cycle Financial Planners, LLC, boca raton, florida
    The issue of prior DUIs and life insurance is complicated. It is possible. It will usually cost more for a few years although I have clients with previous DUI convictions who are now paying standard rates. The best advice I can offer is to seek out an experienced life insurance professional who can demonstrate previous successes with challenging cases. The insurance company is naturally concerned about additional high risk behavior in the future. The applicant has a strike against him or her; maybe two. The job for the insurance professional is to help the insurance company understand the risk in the best light possible and always be upfront and truthful.
    Lastly: for those with DUI history, it is usually a process. That means the insurance companies may initially offer a policy with extra premium. I strongly recommend my clients accept and then remain vigilant about shopping at least once a year with other companies.
    Answered on March 26, 2018
  13. 196 POINTS
    Michael Richardson
    Owner /Agent, Guardian Senior Protection, Dallas Fort Worth Texas
    Life insurance companies often charge more to applicants who had a DUI (or DWI-driving while intoxicated) conviction within the past 5-10 years. Many carriers will deny coverage altogether to applicant with more than one recent DUI. Drunk driving is a risky behavior and can be a deadly one as well. And the risk of a driver with one or more DUI convictions getting into a fatal crash is about 40% higher than a driver without one.
    Answered on March 22, 2019
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