Yes, you can get life insurance with a DUI on your record, though the recency of the DUI, the number of offenses, and whether alcohol use remains a concern are the primary factors affecting your options and rates. A single DUI that occurred more than five years ago with no subsequent alcohol-related issues may have minimal impact on rates with the right carrier, while a recent DUI or multiple DUIs significantly narrows options.
For a single DUI more than five years ago, with no other alcohol-related issues, many carriers will consider Standard or Standard Plus rates. The DUI will likely prevent Preferred or Preferred Plus classification, but the rate impact may be modest. Some carriers look at DUI history within a three-year window and may disregard older offenses entirely.
For a single DUI within the past three to five years, most carriers will apply Standard to Table 2 ratings, and some may decline. The closer the DUI to the application date, the more significant the impact. Carriers will also evaluate whether there is evidence of ongoing alcohol use or alcohol-related health issues (elevated liver enzymes on blood work, for example).
Multiple DUIs are the most challenging scenario. Two DUIs within five years may result in Table 4+ ratings or decline from most carriers. Three or more DUIs, regardless of timing, signal a pattern that most carriers view as unacceptable risk. In these cases, simplified issue or guaranteed issue products may be the available options. Some specialty carriers focus on higher-risk applicants and may offer more favorable terms.
A licensed agent in our network can evaluate your specific DUI history and match you with carriers that have the most favorable DUI underwriting guidelines. Honesty on the application is critical — carriers check MVR records and will discover undisclosed DUIs. All coverage is subject to underwriting approval.