How Driving While Under the Influence (DUI) Impacts Your Life Insurance Rates
How to Obtain Affordable Life Insurance After a DUI
Risky behavior puts life insurance eligibility
at risk
- Does a DUI Reflect One Bad Decision or a Dangerous Lifestyle?
- With a DUI on My Record, Can I Get Life Insurance?
- How Can MEG Financial Help?
- Related Links for DUI
 A person who drives a car after indulging
in too much alcohol or getting high by using drugs demonstrates
risky behavior that endangers not only him, but others
as well. Being
cited for driving under the influence of drugs or alcohol,
even if it is a single incident, raises a question about
a person’s lifestyle choices. A DUI citation creates
negative repercussions when applying for life insurance even
later in life.
Other related terms include Driving
Under the Influence,
DUI, Driving While Intoxicated, DWI, Motor Vehicle Report,
and Alcohol Treatment. Learn more information on receiving
a term
life insurance quote from our life insurance specialists.
Does a DUI Reflect One Bad Decision or a Dangerous
Lifestyle?
A DUI raises a red flag and questions of
concern: Was
the DUI the result of a singular bad decision by a person,
a careless “binge,” or is it indicative of a
lifestyle involving addiction to drugs or alcohol? For
a substance abuser,
or addict, who has developed an unhealthy relationship with
drugs or alcohol, a DUI spotlights the problem. Whether
a person chooses to address the problem and seek help or
to deny it is a personal choice. It is a fact that
substance abuse harms relationships, results in absenteeism
from work, accidents at work and makes normal living difficult. In
addition to legal troubles, substance abuse can lead to a
deterioration of a person’s mental and physical health,
damaging the heart, dangerously elevating blood pressure
and causing liver disease, gallstones, pancreatitis and other
cancers.
Individuals who are considered to be substance
abusers, or who are suspect because of the DUI, pose an insurance
risk. Research
points to evidence that substance abuse has a high correlation
to motor vehicle and industrial accidents, suicides and crimes.
With a DUI on record, a person applying for insurance bears
the burden of proving that the DUI was the result of a decision-making
mistake as opposed to being a marker of ongoing serious drug
or alcohol abuse. Illicit drug use is viewed less favorably
than alcohol abuse when it comes to insurance.
Occasional
marijuana use isn’t as significant a concern to the
insurer as the question of where and how the person obtained
the drug for addicts are perceived to move in dangerous circles
and environments that increase the risk of accident. Substance
abuse also raises questions about the underlying condition
that caused the person to abuse in the first place.
The burden of providing documentation
to support claims of substance abuse rehabilitation falls
upon the individual. The
following documentation may also be mandated or requested:
- Records of a stable work and family
history
- Attendance at support program such as Alcoholics Anonymous
(AA)
- Screenings for abusive chemical and alcohol consumption
- Hepatitis screening
- Driving record
- Lab studies
With a DUI on My Record, Can I Get Life Insurance?
A minimum wait of one to two years is
mandatory before insurance offers can be made following DUI.
If the incident was five or more years prior to application,
favorable results can be anticipated. Evidence of substance
abuse, in combination with a hazardous occupation or hobby
may result in a very high insurance rating or denial, however,
recovered alcoholics are considered insurable.
 Related
Links for Driving Under the Influence
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