Can I get life insurance if I have a DUI on my record?

Question

Philip Santucci · Accepted Answer

It is possible to get life insurance with a DUI. However multiple DUI occurrences on a record will make it increasingly difficult. Every carrier has a different requirement for this so some carriers will be more forgiving than others.

Answered by Philip Santucci on July 24, 2026

Broker Licensed in IL, FL, MI, MN & TX

Answered by Philip Santucci Life Insurance Agent

Jim Mentink · Answer

Very generally, yes, depending on how recent the DUI is.  With a recent DUI, the application could be declined, however a DUI doesn't automatically exclude you in general.

Be honest on your application and be prepared for a potentially higher premium (depending on the timing of the DUI).

Dean Chiapetto · Answer

Yes. There are companies that will cover just about anything. The policy will most likely be more expensive. Be honest with your broker, the underwriters will find out.
Brokers Make a Difference!

David Lewis · Answer

You can get life insurance with a DUI on your record, but your options and rates depend heavily on how recently the incident occurred, the number of offenses, and your overall health profile. A single older DUI may have little impact, while a very recent conviction can lead to higher rates or a temporary denial.



How Insurers Look at DUI Timeline: If your DUI happened within the last 12 to 24 months, many traditional insurers will postpone coverage until some time has passed. After 3 to 5 years, you are much more likely to qualify for standard rates. Frequency: Multiple DUIs signal a higher behavioral risk and can result in an outright denial of traditional coverage.


Underwriting Focus: Companies check your motor vehicle record and look for signs of a broader substance abuse pattern, medical notes criticizing alcohol use, or related health complications. Cost: A recent DUI typically prevents you from getting "preferred" or best-tier pricing, meaning you will pay higher premiums (a table rating) until the infraction ages off the insurer's primary look-back window. 


Alternative Options if you are denied traditional term or whole life insurance due to a very recent or multiple DUIs, alternative paths exist:  

Guaranteed-Issue or Simplified Policies: These plans require fewer or no medical exams, though they usually offer lower face values and higher costs. Working with an Independent Broker: An experienced broker can shop multiple insurance carriers anonymously to find a company with a more lenient look-back window for your specific timeline.

Ken Banks · Answer

Yes,  depends on how recent it was and if you are currently abusing alcohol. Depends on the company company every company have different requirements.