How Long Does A DUI Affect Life Insurance? 
A DUI will affect life insurance rates , or the ability to get some life insurance policies , for some time . The amount of time depends on the policy . Some No Exam policies will delay until two years after the DUI . Others will not count the DUI unless drug or alcohol treatment was needed . And others will not look at DUI 's at all . When applying for a medically underwritten policy , a DUI can keep a person from the best rates for as long as 10 years with some companies . But if it was an isolated incident and the applicant now drinks lightly or not at all , the impact is less than if substance abuse treatment was ordered and the applicant has gone back to drinking heavily . The life insurance company will also look at other traffic violations , if there a multiple offenses , and other factors . To find your best rate after a DUI , contact an agency that sells policies from many companies so they can sift through them for you and find you the one that will give you the best rates . 