Does A DUI Affect Life Insurance? 
Yes . DUIs can greatly affect your the risk class you can qualify for in life inurance . A history of being charged with driving under the influence -LRB- DUI -RRB- or driving while intoxicated -LRB- DWI -RRB- one or more times can make it difficult to obtain the life insurance coverage you need at an affordable rate . The ratings that life insurance companies will assign for people with history of DUI vary substantially between companies and the difference could cost you thousands of dollars . Whether applying for a fully underwritten or non-medical life insurance policy , the carriers will want to know the input regarding a number of questions -LRB- typically you would fill out a DUI questionnaire form with the application -RRB- to make an accurate risk assessment : 1 -RRB- How many times have you been charged with DUI/DWI ? 2 -RRB- When was the most recent charge ? 3 -RRB- Are you currently on probation ? 4 -RRB- Has your license been revoked or suspended one or more times ? 5 -RRB- Have you been cited for any other traffic offenses ? 6 -RRB- Have you sought treatment for alcohol abuse at a rehab facility or attended meetings with support groups like Alcoholics Anonymous ? 7 -RRB- Are you still drinking , or have you quit completely ? The most likely offer you receive , depending on how long it 's been since the DUI , will either require a table rating and/or a flat extra rating . A table rating is an additional percentage charged on top of the standard premium . As an example , a Table D/Table 4 is generally about two times the standard premium . A flat extra rating is an additional cost per thousand dollars of coverage , such as $ 2.50 per thousand . Another example would be a $ 1,000,000 policy with a flat extra of $ 2.50 per thousand would require additional premium of $ 2,500 in addition of the standard rate , regardless of how many years the policy is guaranteed . If you have a history of DUI or DWI in your records , you should NOT apply with multiple companies at the same time . The more companies that give you a table rating , flat extra rating , or decline coverage on a formal application , the less likely you are to get a better offer . Your best option is to consult with an experienced life insurance broker before applying for any coverage . We can shop the case for you among multiple carriers to get an understanding of the risk class carriers will likely assign for your coverage - this will point you in the direction of who is the most appropriate carrier to apply for coverage with . The risk class is the most critical item for coverage because it determines the premiums . Please let me know if I can be of further assistance . Thanks very much . 