Life Insurance for High-Risk Applicants
How insurers treat applicants with a DUI, a risky driving record or health issues, and your options when a medical exam is a problem.
A DUI, a long list of tickets or a health condition does not automatically rule you out of life insurance, but it changes which companies and policy types make sense and what you will pay. These guides explain how life insurers look at these risks and how to apply in a way that gets you the best realistic offer.
All High-Risk Applicants guides
High-Risk Applicants
Can You Get Life Insurance After a DUI?
A single DUI rarely rules out life insurance, but timing matters. Here is how life insurers use your driving record, how long a DUI affects your rates and how to apply.
High-Risk Applicants
No-Medical-Exam Life Insurance: Types, Costs and Who It Fits
You can buy life insurance without a medical exam, but the trade-offs differ a lot between accelerated underwriting, simplified issue and guaranteed issue. Here is how to choose.