How a DUI Affects Your Life Insurance Rates

You Have a DUI History—What Now?

Having a recent DUI in your past means you will be labeled as a high-risk candidate for life insurance, but it doesn’t necessarily mean you will not be able to get coverage.

When you apply for life insurance, you should be prepared to answer a variety of questions in a phone call interview that takes roughly 20 minutes. One of those questions is whether or not you have ever been convicted of DUI. First and foremost, be sure to answer honestly. If you don’t fess up to your offense, you are then committing what is known as “false material misrepresentation,” which could open you up to a whole new set of legal problems.

Honesty is always the best policy.

If you answer “yes,” your life insurance agent will simply have to look further into your history as a potentially risky person. Here’s how it could play out:

• If you were convicted of a DUI within the past 1-2 years, it’s likely you will be denied coverage because there hasn’t been enough time since the conviction for the insurance company to confidently assess your behavior. It’s best to check with a licensed True Blue Life Insurance agent to be certain. Just call 1-866-816-2100 and ask how you can get a life insurance policy with a DUI in your past.
• If your DUI was within the 3-5 year range, it’s quite possible you could qualify for a standard life insurance policy. Your ability to get a discounted rate, however, would be determined by other factors—like your health and any other potentially negative marks. Again, it’s best to check with a licensed True Blue agent to understand your options.

Let’s say you are within the 3-5 year range. You might be asked to take a routine medical exam that would include a blood test. When checking your blood, there is a special test for DUI applicants that checks the Gamma Glutamyl Transferase in your blood to see if you are abusing alcohol. Gamma Glutamyl Transferase is an enzyme that, as its name suggests, transfers gamma-glutamyl functional groups. It’s found in many tissues in the human body, most notably the liver, so you can understand its significance in medicine as a diagnostic marker of alcohol abuse.

At any rate, if your levels are elevated, it’s another red flag and you could be asked to take another blood test called a CDT, short for Carbohydrate-Deficient Transferrin. This test detects heavy alcohol use over the past two weeks. Heavy alcohol use is defined as five or more drinks per day during this time frame. If the results come back positive, it’s a sign of liver damage caused by excessive drinking and there is a good chance that your application will be denied.

What if my DUI conviction is less than a year ago?

It is possible to find life insurance with a DUI that occurred less than a year ago, but the options are fewer than waiting until 2+ years when other carriers are willing to consider you. In many cases with other life insurance agents, the declined applications happened largely because the agent submits to the wrong insurance company. At True Blue, we know who is going to be the best option given the current situation and take the time to help ensure you get the coverage you need.

Will my application be denied because of a DUI?

Possibly. One DUI a few years back may not have a drastic impact on your coverage options and premiums; however, more recent DUI/DWI or multiple DUI/DWI shows a sign of risk that underwriting may not be willing to insure. If there is a concern that your DUI/DWI is a signal of a more troubling issue, the results of the medical exam may help underwriting to best understand if there is an underlying health factor.

What if I have multiple DUI’s?

Still a possibility, but if they are recent then your options will become extremely limited. You would need to work with a team of experts who know which companies work the best with your current situation. It will largely depend on the rest of your MVR and the outcome of your physical (if applicable); however, if you are healthy then our True Blue team should be able to find coverage.

Again it will depend on the rest of your DMV records as well as the results from your physical. But if you are healthy, you should still be able to find coverage.