Life Insurance with a DUI

What if I Am Denied Life Insurance?

If you have been denied life insurance in the past, please contact us so we can help you figure out why you were denied and what your chances are of getting approved with Prudential or another company. That said, if in the last 10 years you have had more than two DUIs, you will not get approved for life insurance coverage with Prudential, or any other company for that matter.

You have the option of waiting until it has been more than 10 years since the first DUI in this time frame, although we can also explore a Guaranteed Issue life insurance policy. Guaranteed Issue, also known as GI policies, have a “Graded Benefit”.  Graded Death Benefit life insurance policies often have a 2 year waiting period before the total death benefit is available. This varies from company to company, so your agent will find the best option for you. For example, Gerber Guaranteed Issue is one of the best guaranteed issue life insurance companies on the market. They have a 2 year graded benefit.

If you’ve had a DUI and are interested in life insurance, call us today or fill out our online contact form for a customized quote and more information on getting the best coverage available for you.

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