Having a poor driving record can cause life insurance rates to go up, or even cause a policy to be postponed or declined. However, there are usually No Exam policies to turn to if a medically underwritten policy is declined due to driving record.
Some aspects of the driving record that can affect rates or approval are: the number of tickets within the past few years, drug or alcohol related driving violations, repeat convictions, and suspended drivers license.
That is a great question! You are aware that insurance companies are all about risk, right? The lesser the risk, the cheaper the policy, as a rule. The more risk, the harder it is to be insured. Reckless driving is definitely a good way to put yourself and everyone else on the road at risk. Just about every insurer will ask if you've had issues with your driving record, to help assess your riskiness. If you've had some issues, expect a higher priced, rated, or denied policy. I hope that helps, thanks for asking!
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Some aspects of the driving record that can affect rates or approval are: the number of tickets within the past few years, drug or alcohol related driving violations, repeat convictions, and suspended drivers license.