This will vary from carrier to carrier. It will also depend on the number of DUI's you've had and your age. Younger people (especially those in their 20's) are effected the most by a DUI on their driving record. For most carriers, one DUI will keep you at their standard risk class for at least 3 years since the incident.
A DUI will affect life insurance rates, or the ability to get some life insurance policies, for some time. The amount of time depends on the policy. Some No Exam policies will delay until two years after the DUI. Others will not count the DUI unless drug or alcohol treatment was needed. And others will not look at DUI's at all.
When applying for a medically underwritten policy, a DUI can keep a person from the best rates for as long as 10 years with some companies. But if it was an isolated incident and the applicant now drinks lightly or not at all, the impact is less than if substance abuse treatment was ordered and the applicant has gone back to drinking heavily. The life insurance company will also look at other traffic violations, if there a multiple offenses, and other factors.
To find your best rate after a DUI, contact an agency that sells policies from many companies so they can sift through them for you and find you the one that will give you the best rates.
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When applying for a medically underwritten policy, a DUI can keep a person from the best rates for as long as 10 years with some companies. But if it was an isolated incident and the applicant now drinks lightly or not at all, the impact is less than if substance abuse treatment was ordered and the applicant has gone back to drinking heavily. The life insurance company will also look at other traffic violations, if there a multiple offenses, and other factors.
To find your best rate after a DUI, contact an agency that sells policies from many companies so they can sift through them for you and find you the one that will give you the best rates.