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Life Insurance With A Bad Driving Record [DUIs, Moving Violations, At-Fault Accidents]

Looking for a quote for life insurance or burial insurance? Click here and send me a message with details of what you’re wanting to accomplish. If you’d prefer to talk live, call 888-626-0439 to speak with me directly.

In This Article, I’m Going To Specifically Discuss How To Get Life Insurance If You Have A History Of Bad Driving

You or a loved one has experienced issues with bad driving. You have DUIs, traffic violations, or accidents on your driving record.

Here we will cover these factors and their impact on your eligibility for life insurance. We will describe how you can maximize your chances of getting quality life insurance coverage.

Today’s Topic Overview:

Issues on your driving record that may have an impact on your eligibility for life insurance coverage

Driving Under The Influence (DUI)

A DUI has a direct and immediate impact on your eligibility for coverage. Now, a lot of people who get approved for coverage have past histories of DUIs. This is because enough time has passed since the DUI has occurred.

Also weighted into that equation is how many DUIs you have. Say that you have recent multiple DUIs. You may find it more difficult to get life insurance coverage approved.

Look for an insurance broker like us at BuyLifeInsuranceForBurial.com. We can shop around for different options available to you with your DUI history.

Say that it’s been a shorter period of time since your DUI conviction. Or it’s been multiple occurrences of DUIs. It serves your best interest to shop with a broker to see which carriers will be more flexible. Some carriers will deny clients with any DUI history. There are others much more willing to accept life insurance protection on those with DUIs.

If you would like to find out what you might qualify for, feel free to call us for a free, no obligation quote at (888) 626-0439. If you’d prefer to send us a message using our contact us box, we will get in touch with you within 24 business hours with your quote.

Traffic Violations

Traffic violations do have an impact on your eligibility for life insurance. It will depend upon the type of traffic violation as well as the frequency in which they happen.

The more traffic violations that you have, the more likely it is that you will experience substandard rates or a rate increase. If your traffic violations are minor incidences, they will have less of an impact. Those where you may have experienced road rage, hit and runs, more serious moving violations, or other people were harmed, they’ll have a bigger impact.

Their frequency and the length of time since the last one will make a difference to your eligibility for life insurance. Deal with a broker like us here at BuyLifeInsuranceForBurial.com. We will shop the carriers to find the ones that will be the most flexible with your ability to get coverage.

At Fault Accidents

You’ve been in an accident or multiple accidents. It’s been within a relatively short period of time. This may have an impact on your eligibility for life insurance coverage.

Life insurance underwriters want to know why the at fault risk accident happened. Was it due to carelessness? Was it due to distracted driving? Were you driving under the influence?  They’ll also want to know if this is a repeated offense. Is there a history of issues?

The answer to those questions is going to determine two things. First, your rate. Second, your level of insurability. It may or may not be acceptable to the different underwriters that look at these scenarios.

As with all the issues expressed earlier, it’s important that you deal with a broker in these circumstances. I can’t stress this enough. With a bad driving record, you are looked at differently. What companies accept depends on the scenarios and their frequency. It varies from one company to the next.

Don’t go with an agent that works with just one company. You may find you don’t get the best options for coverage that way.

Stories from the field

This story shows how people often overpay on their insurance, by extreme amounts, without even being aware of it. 

Early on in my career I was driving to see a client. I was in a little town just outside Chattanooga called North Ridge. As I neared this particular home, I couldn’t help but notice the bright pink mailbox out on the side of the road.

As I pulle into the drive I was met with the sight of a matching bright pink Cadillac in the drive and one of the oddest peices of yard art I think I have ever seen – a painted picture of a 4 x 6 foot person in what could only be described as a jester looking hat with facial paint.

As I got out of my car I was greated by a lady at the gate. She introduced herself as Anita. Later I would learn her middle name was Lollipop.

Miss Anita invited me into her house and we began to talk. She shared with me an extraordinary story of how she had survived Hurricane Katrina. She explained that when New Orleans flooded, she swam to safety by holding on to the back of a floating casket.

The story got even more intersting from there as she explained that she made it to a FEMA safety point and was then escorted by plane to safety in Tennessee.

The pilot of the plane was Al Gore, who had heard about her extraodinary survival and wanted to personally get her to safety. She had remained in Tennesee after, building a new home far away from the threat of another hurricane.

After telling me all of this, she shared that she thought she was paying too much on her insurance. She was paying $250 a month for a $8,000 funeral. There were very few reasons why she needed to pay this much.

She was in generally good health, with a few heart concerns, but nothing to cause her rate to be so high. I did some price checks and found that we could get her equivalent coverage for $1,800 less a year in combined monthly payments. She was enthralled and thanked me for my help because the difference in payments meant a lot to her on a tight budget. 

When it comes to the price you pay for your coverage ech month, there are justified rates and unjustified rates. A brokrage program can give the client the best value for their money, because we have access to a number of providers and can shop for the best price. 

We were not only able to save Miss Anita $1,800 annually, but we were also able to get her first day full coverage, which in some cases has proved difficult for people with a history of heart issues like she had.

While I can’t guarantee first day full coverage for every client, I can say with certainty that dealing with a broker like us at Buy Life Insurance for Burial gives you the best chance of getting quality insurance and fair rates.

If you’ve enjoyed what you have read so far and would like to get your own individualized quote, give us a call at (888) 626-0439. You’ll speak to an expert in the field who can provide you with more details regarding what you might qualify for. You can also send us a message and we will get in touch within 24 business hours.

Your health and lifestyle

Your health and lifestyle also have a direct and immediate impact on your eligibility for life insurance coverage. You may have a pristine health history with a bad driving record or vice versa. You’ll find that you still may be declined.

What are insurance companies looking for when they analyze your health and lifestyle? Here are the most common things that life insurance companies consider when they’re looking to determine your eligibility:

  • Your age, height, and weight
  • Heart history problems
  • Diabetes
  • Cancer history
  • Lung issues like CLPD or emphysema
  • Chronic kidney or liver issues
  • Neurological problems like lupus or multiple sclerosis
  • Mental health problems
  • Hospitalizations, surgeries done and medications taken

This is a short list of many questions about your health that life insurance companies will ask.

Make sure that you disclose your records if you have both a bad driving record and have experienced some of the issues listed above.

There’s good news. Work with us at BuyLifeInsuranceForBurial.com. We can shop the most competitive companies that are available. We will see which ones will give you the best overall package. We base it on your unique combination of issues.

Occupations or hobbies

If you have a high-risk occupation you may find that your price point will be affected. Say that you have high-risk hobbies like mixed martial arts, base jumping, or mountain climbing. You may find that these factors have an impact that’s independent of your bad driving record.

Types of life insurance available to those with bad driving records

The types of life insurance available are very similar to those that you’ll find without a bad driving record. Let’s first talk about the most common life insurance options. Then I want to mention your last ditch options. What’s available if you end up finding that no other options exist in the traditional route.

Term Life Insurance

Term insurance is the most popular type of life insurance coverage purchase available.

It’s the cheapest form of insurance. It’s the most commonly selected because it gives a lot of coverage for little premium.

The downside to term life insurance is that it is temporary. It terminates at a later date. Generally, it only lasts between 10 to 30 years, depending on the program chosen. People buy it anyway because the need for insurance is important. It’s vital to get as much as it takes to take care of financial matters if you were to die unexpectedly.

Term Life Insurance Coverage – 10 Year Term – $100,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $250,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $500,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $1,000,000 in Coverage

Top 7 reasons people buy term insurance

1.Term insurance is affordable
If you are on a set income and budget, term insurance is a great option. It has one of the lowest premiums when compared to other insurance types and offers a short term, affordable solution for many financial obligations people want to get coverage for. 

2.Income replacement
Many individuals are looking to get life insurance because they want to cover their income should they pass away sooner than expected. We recommend getting 10 times your annual income in coverage to adequately replace your income.

3.Retirement funding
Term insurance can be used to fund your family’s retirement if you die sooner than expected. Though your family may be okay in the short term, as time passes the retirement fund you would have been paying into will become an important source of income. Term insurance does a good job of meeting this need.

4.Out of love
 We all want to ensure our loved ones are taken care of if we pass away sooner than expected. Term insurance does a great job of doing just that by providing your loved ones with financial stability.

5.Custom length
Term insurance is a short term solution for short term financial obligations. So for example, term insurance can be used for a 30 year mortgage or a 10 year bank loan. 

6.Pure insurance need
For those seeking straightforward coverage, term insurance meets that need by providing a set time period for which the coverage applies. There are no added costs with term insurance.

7.Exams are optional
Exams used to be a requirement, but that is no longer the case. Individuals can now apply for term life insurance without having to get a check up or have blood drawn. That’s great news for those that would rather skip the exam process.

Rates For $10,000 In Burial Insurance

Rates For $25,000 In Burial Insurance

 

$150,000 Whole Life Insurance, Life Pay

$250,000 Whole Life Insurance, Life Pay

Simplified Issue & Guaranteed Issue Products

These are our last ditch options. They’re for those who have considerable issues on their driving record. These products are designed to only have a minimal look at your driving record. You may well get approved for guaranteed acceptance life insurance, even with recent bad health.

Say that your issue was several years ago. You may be eligible for a simplified issue whole life insurance product. These are issues that we can discuss with you over the phone. Then we can give you a better idea of what you may qualify for.

These are last-ditch efforts. Compare these options to the term or permanent options mentioned earlier. You’ll find that coverage amounts are minimal and premiums tend to be much higher per dollar of coverage.

However, you need to get some kind of life insurance on the books. It’s of vast importance to be covered. You could happen to die in an accident, whether it’s a DUI accident or a moving violation.

$50 a Month – Guaranteed Universal Life Insurance

$100 a Month – Guaranteed Universal Life Insurance

$150 a Month – Guaranteed Universal Life Insurance

Case study examples

Recent Marriage and High Blood Pressure Issue

A middle aged couple gave us a call to ask about getting affordable coverage in place. They had recently gotten married and had decided that they wanted to make sure they each would be financially protected should something happen to one of them.

The only stumbling block was that the husband had high blood pressure. He had heard that this could affect his application and he was concerned about the rates they would have to pay due to his chronic health issue.

Luckily they contacted us. Because we are brokers, we were able to shop among a number of competitive providers to find a policy that met their goals and budget.

While we can’t promise the same outcome for every applicant, we do give clients the best opportunity for quality coverage at the lowest possible price.

Cancer Survivor with Fixed Budget

An older lady names Ms. Rubens called me recently looking to add to an existing final expense coverage policy she had taken out in her early 30’s. She was now in her 60’s and concerned about the rising cost of burial.

Ms. Rubens was a cancer survivor and aware that her health history would impact her application. She was also on a fixed budget and concerned about what additional coverage might cost.

We looked at a number of options for this client and were very happy to be able to offer her quality coverage that met her monthly budget.

Though we can’t promise the same outcome for everyone, we do our best to offer affordable coverage that meets the needs of our clients, whether that be for the short or long term.

Next steps

My goofball son and I thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

The fact is that you or your loved one has been in a place where they’ve been in danger of dying. You wouldn’t be reading my article this far if you didn’t know that it was important to have some kind of coverage on the books. That’s what we do at BuyLifeInsuranceForBurial.com.

We don’t judge you for the experiences that you’ve gone through. We just try to help you out. We want to protect you and your family from having to pay an undue amount of money if you pass away earlier than expected.

If you’re interested in qualifying for life insurance with a bad driving record, visit my website. You can go to buylifeinsuranceforburial.com and grab a free quote.

I do ask that you message me first. You can do that by clicking the contact box; the one at the top or the bottom, and send me a quick message. Or just call me. The best way to reach me is (888) 626 0439, and speak with me live.

I hope you have found this article useful. If you would like to find out what you might qualify for, feel free to give us a call at (888) 626-0439. You can also send us a message using the contact us box found on this page.

We hope to speak with you soon!

About BuyLifeInsuranceForBurial.com
About BuyLifeInsuranceForBurial.com

We work with individuals across the nation to secure the best life insurance rates.

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