How Does Driving Record Affect Life Insurance? 
Having a poor driving record can cause life insurance rates to go up , or even cause a policy to be postponed or declined . However , there are usually No Exam policies to turn to if a medically underwritten policy is declined due to driving record . Some aspects of the driving record that can affect rates or approval are : the number of tickets within the past few years , drug or alcohol related driving violations , repeat convictions , and suspended drivers license . 