Can I Get Life Insurance After a DUI?

Smoking kills by LittleMissSilly

About 50,000 Canadians are arrested and charged with a DUI each year.

A DUI will definitely have an impact on your ability to obtain a traditional life insurance policy. 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.

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.

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.

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