Does A DUI Affect Life Insurance? 
A DUI will affect life insurance if within a certain number of years of applying for the policy . With simplified issue plans -LRB- those that do not require an exam , and usually do not require medical records -RRB- , you may be approved as quickly as two years after the DUI , although some carriers will make you wait 10 years after the DUI to get that type of coverage . If applying for a medically underwritten policy , the rate will vary depending on how many years from the DUI it has been . Underwriters also consider whether you had treatment for alcohol abuse in conjunction with the DUI , whether there were repeat offenses , if you still drink alcohol , etc. . In the worst case scenario of recent DUI , repeat DUI 's , repeat treatments , still drinking , there is guaranteed issue life insurance for those who fit the age guidelines . To get your best price for life insurance after a DUI , it is a good idea to use a broker who can shop the many policies out there and find you the best price . 