No Exam Life Insurance With DUI | 5 Questions You Will Be Asked

You CAN be approved for life insurance with a DUI on your driving record.

To be clear, there’s no way of hiding a DUI on a life insurance application, even if you want to skip the medical exam. However, the citation will not necessarily prevent you from securing coverage.

Here, we will cover everything you need to know – steps for approval, the best companies to apply with, and quotes.

Consider this your go-to guide for how to buy no medical exam life insurance after a DUI.

Table Of Contents

  1. Overview
  2. Approval (5 questions you will be asked)
  3. Best Companies
  5. Other Options
  6. Next Steps

Life Insurance And DUI

You’re not alone if you have a DUI on your driving record.

About 1.5 million people were arrested in a given year for driving under the influence of alcohol or drugs.


For most, the harrowing legal and personal difficulties after a DUI conviction are enough to initiate positive changes in their lives.

Still, there’s no avoiding the consequences. Just how much will your life insurance application be affected? It depends.

Life insurance companies are in the business of risk absorption. Driving impaired, whether under the influence of alcohol or drugs, is a major indicator of risk.

Your ability to be approved for coverage, and how much it will cost you, is determined by a number of factors:

  • The number of DUIs on your record
  • Number of years since your DUI
  • How often (and how much) you drink
  • Other types of drug use
  • Demonstration of positive life changes

Life Insurance Approval With DUI

There are five important questions you need to be prepared to answer if you have a DUI conviction on your driving record.


Let’s breakdown these important questions to determine how your specific situation will impact your ability to be approved for a policy.

1. What is the date of your most recent DUI?

Ideally, life insurance carriers want to see a number of years pass since your DUI conviction.

Wait Time After DUI For Approval

No Exam CompanyPreferred BestPreferredStandard PlusStandard
AmeritasNA10 yearsNAAvailable (not specified)
AssurityNANAAvailable (not specified)Available (not specified)
FidelityNANANA5 years
Foresters5 years5 yearsAvailable (under certain circumstances)Available (under certain circumstances)
Nassau ReNANANA3 years
SagicorNA5 yearsNA3 years
2 years for Rated

Important – If you are willing to take a medical exam, consider Prudential.

Prudential typically underwrites a history of a DUI more favorably than other carriers.

Prudential’s DUI underwriting requirements:

  • DUI within the last 12 months – Table 2 Rating
  • DUI more than 12 months ago – Standard Plus
  • 2 DUIs within the last 5 years – Table 5 Rating
  • 2 DUIs over 10 years ago – No Rating

2. How many DUIs are on your record?

You will have a hard time finding coverage if you have multiple DUIs because it’s an indicator of serious risk.

If you only have one DUI, more options exist. However, the amount of time that has passed since the conviction is a major factor (see question #1 above).

No exam life insurance is not an option for traditional coverage (like term or whole life) if you have had more than one DUI in the last 5 years.

Again, Prudential (fully underwritten) is your best bet if you have had two DUIs.

Note – if you have more than 2 DUIs on your record within the last 5 years, you will need to look at guaranteed issue life insurance.

3. Do you have a history of alcohol or drug abuse?

Your electronic records will be reviewed, even if you skip the medical exam:

  • Department of Motor Vehicle
  • Prescription History
  • Medical Information Bureau

In other words, there’s no hiding a DUI – or other convictions – on a life insurance application.

Consequently, underwriters will know if you have a history, legal or otherwise, of alcohol or drug abuse.

A criminal (or rehabilitation) history of substance abuse will make it more difficult to be approved for traditional coverage.

Read moreLife Insurance For Alcoholics

4. Is your driver’s license suspended?

Often, your license is suspended as a result of a DUI conviction.

Generally, a first-time DUI conviction includes a required license suspension of 180 days or more.

State laws vary concerning mandatory suspensions.

Some carriers refuse to issue coverage until your driver’s license has been reinstated.

5. Have you taken steps towards recovery?

Life insurance companies want to see proactive steps towards a healthier lifestyle.

How so?

  • Alcohol cessation program
  • Documented AA meetings
  • Valid driver’s license
  • Regular checkups with a physician

Bottom line – you will need to be within specific parameters to be approved for term or whole life insurance with a DUI conviction.

Also, note – if you do not meet a carrier’s requirements, apply for guaranteed issue for now. Reapply for traditional coverage when you qualify.

Best No Exam Companies For DUI

Familiarize yourself with the best no physical life insurance carriers to apply with if you have a DUI.



Ameritas no exam life insurance accepts applicants with a history of DUI under the following circumstances:

  • Preferred – at least 10 years since conviction
  • Standard – possibly rated, but not specified



Assurity no exam life insurance offers coverage after a DUI:

  • Standard – possibly rated, but not specified



Fidelity no exam life insurance is another option for DUI convictions:

  • Standard – at least 5 years since conviction


Foresters no exam life insurance offers coverage after DUIs:

  • Preferred Best – at least 5 years since conviction
  • Preferred – at least 5 years since conviction
  • Standard Plus – at least 5 years since conviction

Nassau Re (Phoenix)


Nassau Re (formerly Phoenix) no exam life insurance is another option:

  • Standard – at least 3 years since single conviction



Sagicor no exam life insurance will approve certain applicants:

  • Preferred – at least 5 years since conviction
  • Standard – at least 3 years since conviction

Prudential (Medical Exam)


Keep in mind, if it has been less than two years since your DUI conviction, likely your best option for traditional coverage is Prudential.

  • Rated – within 12 months of conviction
  • Standard Plus – at least 12 months since conviction

Note – Prudential will accept 2 DUI convictions within 5 years.

Life Insurance Quotes With DUI

Because each applicant is unique, it’s difficult to provide accurate sample quotes for someone with a history of a DUI(s).

We’ll give it a shot. Here are quotes for a 10-year term, $250,000 policy to gain a general idea of rates.

Keep in mind, sample quotes are for a healthy non-tobacco individual.

Important – quotes for a DUI within 12 months and 2 DUIs within 5 years are for medically underwritten policies.

Life Insurance Quotes With DUI Male

AgeDUI <12 monthsDUI >2 yearsDUI >5 years2 DUIs >5 years
10-year term for $250,000.

Life Insurance Quotes With DUI Female

AgeDUI <12 monthsDUI >2 yearsDUI >5 years2 DUIs >5 years
10-year term for $250,000.

Other Options

For many, their DUI history prevents the purchase of traditional coverage – term and whole life:

  • Multiple DUIs
  • Suspended license
  • Evidence of alcohol or drug abuse (labwork with elevated GGT)
  • Additional health complications
  • Lack of steps towards recovery

In these situations, after affirming your options with an independent life insurance agent, we recommend purchasing guaranteed issue life insurance.

Guaranteed issue policies have no health questions.

After some time, when you have met underwriting requirements, you can always reapply for more coverage.

Next Steps

DUIs make underwriting life insurance applications more complicated. Follow two steps for your best odds at securing a policy.

1. Independent Agent

Partner up with an independent agent. This is crucial. Each carrier has different stipulations for if and when a DUI conviction will be approved.

Independent agents are not held captive to one particular carrier. You will have access to the top-rated companies, and consequently, have the best chance at finding an approval.

2. Prepare

Be ready to communicate the specifics about your DUI conviction. You will save time and effort by organizing ahead of time.

  • Date of DUI
  • Number of DUIs
  • Driver’s license status
  • History of drug or alcohol abuse
  • Evidence of positive lifestyle changes

To get started, fill out your free quote.