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	<title>New answer on: Can I get life insurance with a DUI?</title>

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		<title>By: Michael Richardson</title>

		<link>https://insurancelibrary.com/life-insurance/can-i-get-life-insurance-with-a-dui</link>

		<dc:creator>Michael Richardson</dc:creator>

		<pubDate>Fri, 22 Mar 2019 21:19:30 +0000</pubDate>

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		<description><![CDATA[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.]]></description>

		

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		<title>By: ted bernstein</title>

		<link>https://insurancelibrary.com/life-insurance/can-i-get-life-insurance-with-a-dui</link>

		<dc:creator>ted bernstein</dc:creator>

		<pubDate>Mon, 26 Mar 2018 15:17:40 +0000</pubDate>

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		<description><![CDATA[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.]]></description>

		

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		<title>By: Larry Gilmore</title>

		<link>https://insurancelibrary.com/life-insurance/can-i-get-life-insurance-with-a-dui</link>

		<dc:creator>Larry Gilmore</dc:creator>

		<pubDate>Sat, 10 Mar 2018 08:26:24 +0000</pubDate>

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		<description><![CDATA[Can I get life insurance with a DUI?  Possibly, It will depend on the insurer and what you&#039;re willing to pay. A DUI creates a risk situation most carriers don&#039;t want to deal with because of the possibility of it happening again. It&#039;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.]]></description>

		

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		<title>By: Joseph Graves</title>

		<link>https://insurancelibrary.com/life-insurance/can-i-get-life-insurance-with-a-dui</link>

		<dc:creator>Joseph Graves</dc:creator>

		<pubDate>Sat, 13 Feb 2016 17:26:51 +0000</pubDate>

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		<description><![CDATA[All great answers above.... Yup... the &quot;what, when, where, etc.&quot; is the key. ALSO... how much coverage are you trying to buy?? There are many &quot;guarantee issue&quot; plans out there (depending on age). Some are instant coverage while others have a &quot;ramp up&quot; period before you get full coverage. &quot;Might be&quot; 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&#039;t care about the cost because of the underwriting mess he created. So... 5 policies. He&#039;s now down to 2 policies 3 years later. 

When I played high school basket ball, Air Jordan&#039;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, &quot;Screw you Jordan&quot; &#038; go and play barefoot? NO... I bought &quot;what i could&quot; (OK. Dad bought what he could) &#038; 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&#039;re penalized for the DUI. Each year you can assess your situation for a &quot;better value&quot;. Suggestion... Do what you can right NOW &#038; let time fix the rate issue.]]></description>

		

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		<title>By: janice hendricks</title>

		<link>https://insurancelibrary.com/life-insurance/can-i-get-life-insurance-with-a-dui</link>

		<dc:creator>janice hendricks</dc:creator>

		<pubDate>Thu, 17 Dec 2015 16:26:57 +0000</pubDate>

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		<description><![CDATA[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.]]></description>

		

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		<title>By: John Cornwell</title>

		<link>https://insurancelibrary.com/life-insurance/can-i-get-life-insurance-with-a-dui</link>

		<dc:creator>John Cornwell</dc:creator>

		<pubDate>Fri, 06 Nov 2015 22:21:11 +0000</pubDate>

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		<description><![CDATA[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.]]></description>

		

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		<title>By: Everett Debrow, Jr.</title>

		<link>https://insurancelibrary.com/life-insurance/can-i-get-life-insurance-with-a-dui</link>

		<dc:creator>Everett Debrow, Jr.</dc:creator>

		<pubDate>Tue, 07 Apr 2015 15:28:27 +0000</pubDate>

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		<description><![CDATA[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&#039;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.]]></description>

		

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		<title>By: Tim Wilhoit</title>

		<link>https://insurancelibrary.com/life-insurance/can-i-get-life-insurance-with-a-dui</link>

		<dc:creator>Tim Wilhoit</dc:creator>

		<pubDate>Mon, 16 Feb 2015 20:22:31 +0000</pubDate>

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		<description><![CDATA[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.]]></description>

		

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		<title>By: Jim Winkler</title>

		<link>https://insurancelibrary.com/life-insurance/can-i-get-life-insurance-with-a-dui</link>

		<dc:creator>Jim Winkler</dc:creator>

		<pubDate>Mon, 26 Jan 2015 01:08:24 +0000</pubDate>

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		<description><![CDATA[That&#039;s a great question! There will definitely be more hardships after having your DUI, but finding a life insurance policy won&#039;t be the worst of them. There are companies out there that don&#039;t ask questions, they&#039;re generally more expensive, and don&#039;t have high death benefits, but they&#039;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!]]></description>

		

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		<title>By: David Pipes CLU. RICP</title>

		<link>https://insurancelibrary.com/life-insurance/can-i-get-life-insurance-with-a-dui</link>

		<dc:creator>David Pipes CLU. RICP</dc:creator>

		<pubDate>Tue, 06 Jan 2015 20:11:30 +0000</pubDate>

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		<description><![CDATA[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.]]></description>

		

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