Can I get life insurance if I have a felony conviction or am on probation?
Answered by 4 licensed agents
Answered by Jack Mayer on September 24, 2026
Broker Licensed in CA
Answered by Dean Chiapetto on September 24, 2026
Broker Licensed in VA, MD, NC, TN & WV
Possibly.
A felony doesn't automatically mean you can't get coverage.
Insurers may look at:
• What the conviction was for
• How long ago it happened
• Whether you're still on probation or parole
• Your current situation and overall risk
Probation can make traditional coverage much harder because some insurers will postpone or decline an application while you're still under supervision.
The important thing is not to assume you're uninsurable.
Different carriers have different underwriting guidelines.
If you have a felony or you're currently on probation and need life insurance, talk with an experienced agent before submitting applications. The right carrier matters.
If this is your situation, I’m happy to help you figure out whether it makes sense to apply now—or wait.
Answered by David Lewis on October 8, 2026
Agent Licensed in VA
For felonies, the time since conviction/release will become important, as recent felonies can be challenging to underwrite. Expect to have to explain the circumstances and what has changed. Many carriers will want there to have been a number of years since the final disposition of the case before entertaining a policy.
For probation, you will likely be denied since the case is still active. Most carriers will automatically decline applications if you are currently in jail, on probation/parole, or have pending (unresolved) charges. You *may* be able to get a guaranteed issue policy, but expect higher premiums and lower coverage amounts.
Answered by Eli Harris on October 1, 2026
Broker Licensed in MA, FL, ME, MI, NH & RI
Tags: Eligibility
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