Does a History of DWIs Disqualify Life Insurance Applicants?


“Does a DWI disqualify me from a life insurance policy?” Interestingly enough, many clients ask this question. In short, yes. Life Insurance Companies may decline application requests if there’s a recent history of DWIs. However, depending on when you were charged with the DWI, you may be eligible for life insurance coverage. Watch the video below to learn more!

It’s important to understand and to know whether you have a history of DWIs (or DUIs) or not. If you do, then you must inform the insurance company through whom you’re applying. With a history of DWIs, the likelihood of you dying in an accident is significantly higher than somebody without a history. Therefore, the insurance company needs to know.

The time frame of the DWIs largely determines your life insurance eligibility. For example, if you’ve had more than three DWIs in a ten-year period, you won’t be able to get coverage. Also, if you’ve had any in the last five years, you won’t be able to get any coverage. Anything past ten years, they’ll still need to know about it. However, more than likely it won’t disqualify you from getting coverage. In conclusion, an insurance company may decline your application request if you have a recent history of DWIs. You may have to wait at least 5 years before you can apply again.


Since insurance is oftentimes overwhelmingly confusing, we want to shed light on this industry by answering YOUR questions.  So if you have any questions or concerns, comment below and your question may be the topic of our next video!

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