Will a DUI Affect My Life Insurance?

If you have a history of driving under the influence (DUI) or driving while intoxicated (DWI), it can be more difficult to find affordable life insurance coverage, but it is still possible to get coverage. Despite your more recent record and habits, many underwriters will consider this an indication of riskier behavior and either deny coverage or price your premiums very high. However, by finding the right carrier, there are steps you can take to improve your chances of coverage at a good rate.

A DUI can happen to anyone and shouldn’t continue to cost your family thousands of dollars years later. When applying for life insurance with a DUI on your record, the insurance company will likely ask about the circumstances of the offense, as well as the date of the incident and any other driving-related offenses you may have had. They will also ask about your overall health, lifestyle habits and the length of time that has passed since the incident.

One good way to reduce the cost of your life insurance policy is to demonstrate that you have taken steps to address and improve your driving habits. This can include attending a driving course or treatment program for alcohol abuse or substance abuse, and having a clean driving record for a certain period of time. And of course, it’s important to be honest with the life insurance company about your DUI. If you do not disclose your DUI, and the insurer finds out later, it could lead to your policy being denied, rescinded, or re-priced.

How Do I Get the Best Life Insurance Rates with a DUI?

It’s important to be a smart shopper and understand that dozens of top companies will approach the presence of a DUI on your driving record differently and that your specific circumstances paint a unique picture. Only PolicyConnection has the proprietary UnderRight™ database that tracks how insurance companies approach DWI/DUI history, and scores their underwriting performance across thousands of specific underwriting situations. This gives our team an unparalleled advantage over others in making the best recommendation for your individual circumstances and needs.

Having a DUI conviction (or DWI) on your driving record may make it more difficult to find affordable life insurance, but it is still possible. By demonstrating that you have taken steps to address and improve your driving habits, being honest about your DUI and letting PolicyConnection research your options, you can find a policy that fits your needs and budget.

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