About 50,000 Canadians are arrested and charged with a DUI each year. If you have been arrested for a DUI then you may need someone like these philadelphia criminal lawyers to help your legal battle.
A DUI will definitely have an impact on your ability to obtain a traditional life insurance policy. It’s never a good idea to put yourself or anyone else’s life at risk. With this being said, if you know of anyone who has been convicted of a DUI recently and are not sure how to move forward with this part of their life, pointing them in the direction of criminal defense attorneys like Kurtz Blum, PLLC could reassure them that they are not alone and have people out there willing to give them a helping hand. Whenever you apply for life insurance, the carrier examines all health- and lifestyle- related issues. They will look at medical history, current medications, your employment situation, and lifestyle factors, such as your driving record and DUI infractions.
The reason driving history factors in is because the insurance carrier uses this information to determine whether you are a high-risk candidate. If your behaviour puts you at a greater risk of dying, the insurance company will make you pay a higher premium or limit the types of plans available for you. Living with a DUI tied to your name is not desirable, for insurance and other reasons that can damage your livelihood. As soon as anyone is charged with a DUI, contacting someone like Thomas C. Grajek, Attorney At Law should be the first thought in their mind. Dropping these charges will considerably improve the quality of life.
If there is a silver lining to applying for life insurance after a DUI, it is that even though there is often a period of five years following the incident where your rates will be higher, if your driving record improves, you may be able to get cheaper rates after the five years have gone by.
For a traditional life insurance application, DUIs generally cannot be considered for a minimum of six months following a license suspension. If there are additional infractions, the wait time for a policy extends to a year. If the license suspension is more than 12 months or up to five years, the odds are that you will get a rated policy, meaning you will be approved, but a higher premium. This isn’t to say that there aren’t other consequences from a DUI. You could find yourself sentenced to jail time and may have to look for assistance from a lawyer similar to this Lexington DUI lawyer, in addition to having to deal with any policies your insurance company might give you.
Simplified issue policies may be a good solution for applicants who have DUIs on their driving record. These plan require no medical tests and include a short series of health questions. Many simplified issue plans do not have DUI-related questions, and many of these plan offer coverage from day one.
For more details please contact us at 1.866.899.4849, or visit our No Medical Life Insurance Quote Page.
