Making a DUI Negligible for Life Insurance

    An insurance company looks at a variety of different aspects of the person they’re entering into the arrangement with. They want to know the people they cover, at least in terms of what their lifestyle is like and how big of a risk they are for themselves. The insurance company will scrutinize medical records, driving records and much more when determining your policy and what is available to you in the form of features, and something as simple as smoking can greatly increase what you will have to pay in order to get coverage, so it can be tricky to know what you need.

    Anything on these records that might stand out, whether it be a diagnosis, a previous surgery, or even a DUI on your driving records within the past few years can change what becomes available to you by the insurance company. When they enter into this arrangement they are thinking like a business, and so they seek to make sure you are a legitimate investment. They aim to make money off of you, and even if that does seem like a cold, hard truth it doesn’t make it any less real. So when they measure all of these things against their mortality chart it’s not personal.

    DUI and life insurance quotes, for example, will more than likely either be more expensive or put you through a series of tests. A DUI says to the insurance company that you have a higher risk of mortality due to reckless behavior, and they have to treat it like it will happen again. Every time you drive under the influence it greatly increases the change of death, at which point they would have to pay out. Since the insurance companies are looking to make money they have to increase rates so that should this happen they make more than they pay out.