Are there any life insurance companies that will cover someone who's had a recent DUI?

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Are there any life insurance companies that will cover someone who's had a recent DUI?

My husband wants life insurance but had a DUI a few months ago. When he applied the insurance company told him he'd have to wait 2 years and that most other companies will say the same thing.
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You judgmental people can keep your thoughts to yourself. He's not a drunk or an alcoholic or a danger to anyone. He had 3 beers and neither one of us realized that would put him over the limit. He was pulled over for going 10 mph over the speed limit. He passed all the sobriety tests and was just barely over on the breathalizer. And anyway I'm asking about insurance, not what your pious opinions are.

Chris C

From an insurance aspect your husband would be a high risk. Doesn't matter how little he was over, he was still over. There are companies that will approve him, but it depends how often he drinks. IF he drinks on a regular basis that increases the chances of him re-offending and possibly hurting himself or others.

You're best bet is to contact a lisensed insurance broker. They will have access to multiple companies and can find one that doesn't focus as much on a DUI. There's a good chance that the agent you originally spoke to either wanted to make sure you came back to him for the business after 2 years or was just plainly uninformed as is the case with all captive agents (I was one of them before....you get trained on your products and their strengths and how to sell them. They don't teach you about the benefits of the competition).

Veritas et Aequitas (ï£¿)

No. He's high risk. Just like they won't insure someone with cancer, they won't insure a drunk. If a company does, the premiums will be very high compared to the average Joe that gets coverage.

Brother Otter

Agree. High risk. He'll have to have a clean record for two years.

â™¥~*Momma Bear*~â™¥

No they will not. And if they do the premium will be ridiculous. Your husband is a risk to himself and not to mention others. They wouldn't insure somebody with leukemia and they won't insure an alcoholic either.

aaron p

I could probably find him someone after six months of a clean record if that's his only offense and his liver enzyme tests are normal (they usually go high because of excessive drinking over time). It would be at a higher than normal price, but he could reapply down the road to possibly reduce the premium.

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