2024 Burial Insurance with a DUI or DWI History
last updated on April 3, 2024Many people are unsure if they can qualify for burial insurance with a DUI or DWI history. The truth is, you can.
It doesn’t matter when you got your DUI (Driving Under the Influence of alcohol or drugs) or DWI (Driving While Intoxicated) or how many times it has occurred. You can even be eligible for first-day coverage if you have no other health conditions that may prevent you from qualifying.
Over the years, we have assisted many clients with DUI history to get insurance coverage. In this article, we will show you how we were able to help them and how we are going to guide you in finding the best burial insurance with a DUI history.
FOR EASIER NAVIGATION:
- What Is My Best Insurance Option If I Have a DUI or DWI History?
- What Types of Burial Insurance Should I Avoid?
- What Type of Burial Insurance Is Best?
- If I Have a DUI or DWI History, Do I Need a Medical Exam to Qualify for Burial Insurance?
- Burial Insurance Underwriting If You Have a DUI or DWI History
- How Much Insurance Do I Need If I Have a DUI or DWI History?
- How Should I Pay My Premiums?
- DUI or DWI History and Burial Insurance Riders
- Information We Need if You Have a DUI or DWI History
- How to Get the Best Burial Insurance Rates for People with a DUI or DWI History
- Benefits of Burial & Funeral Insurance
- Other Common Uses for Final Expense Life Insurance with a DUI or DWI History
- How Can Funeral Funds Help Me?
- Additional Questions & Answers On Burial Insurance With A DUI Or DWI History
What Is My Best Insurance Option If I Have A Dui Or Dwi History?
Some burial insurance companies are not concerned with any DUI history. In fact, they don’t even ask!
Burial insurance companies that never ask about DUI or DWI will approve you for a level death benefit or first-day coverage plan with the lowest rate.
This is the best policy option for you because you will have no waiting period, and your beneficiary will receive the full death benefit when you pass away.
Best Option: Level death benefit plan with first-day coverage
UNDERSTANDING BURIAL INSURANCE WITH A DUI OR DWI
DUI laws prohibit driving under the influence of alcoholic beverages, driving under the influence of drugs, and driving under the influence of any drug or marijuana, whether legal or illegal, regardless of blood-alcohol level.
Life insurance companies know that driving while intoxicated makes you more likely to die in a vehicle accident. If you already have a DUI, you are statistically more likely to drive under the influence again at a later time.
Drunk driving charges can be referred to by the following acronyms:
- DUI – Driving Under the Influence
- DWI – Driving While Intoxicated
- OWI – Operating While Intoxicated
- OVI – Operating a Vehicle While Intoxicated
- OUI – Operating Under the Influence While Impaired
Other acronyms that refer to charges related to the severity of drunken driving charges include:
- ADWI – Aggravated Driving While Intoxicated
- DWAI – Driving While Ability Impaired
- DUII – Driving Under the Influence of Intoxicants
- DUII-CS – Driving Under the Influence of Intoxicants: Controlled Substances
- OMVI – Operating a Motor Vehicle While Impaired
- OUII – Operating Under the Influence of intoxicating liquor
DUI is the most common acronym used in most states for driving under the influence. States that use the DWI include Arkansas, Alaska, Connecticut, Louisiana, Missouri, New Jersey, New Mexico, New York, Nebraska, Texas, and West Virginia.
The following acronyms are used in the states listed below:
- OUI – Massachusetts, Rhode Island
- OVI – Ohio
- OWI – Indiana, Iowa
- DUII – Oregon
Many burial insurance companies will ask you about DUI using any of these terms and deny your application if you have a DUI or DWI…but not all of them!
What Types Of Burial Insurance Should I Avoid?
| PLANS TO AVOID | WHY? |
|---|---|
| Term life | Premiums increase after 5 years. Coverage ends after 80. |
| Pre-paid funeral plans | Expensive |
| Universal life | Tied with stocks |
| No health questions policies | With 2-year waiting period |
| Plans offering "teaser rates" | $9.95 per unit plans or $1 buys $100,000 coverage |
| Over priced plans | Insurance from TV and junk mail |
| Plans that accept mail-in payments | Risky |
| Plans that accept Direct Express | High lapse rate |
| Plans that accept Credit Cards | High lapse rate |
What Type Of Burial Insurance Is Best?
| FUNERAL FUNDS PLAN BENEFITS | INCLUDED |
|---|---|
| 1st Day Coverage | YES |
| Rates NEVER Increase | YES |
| Coverage NEVER Decreases | YES |
| Easy to get approved | YES |
| No Medical Exam | YES |
| Same Day Approval | YES |
| Death Claims Pay Fast | YES |
| Builds cash value | YES |
| Coverage Up To Age 121 | YES |
If I Have A Dui Or Dwi History, Do I Need A Medical Exam To Qualify For Burial Insurance?
You are NOT required to take a medical exam to qualify for burial insurance with a DUI or DWI history.
When you apply for burial insurance, you only have to answer basic questions about your health. The application process is simple; you don’t need to provide medical records or blood and urine samples.
You’ll get the official approval from the insurance company often within minutes!
Burial Insurance Underwriting If You Have A Dui Or Dwi History
Underwriters assess your risk when you apply for life insurance coverage. They use all the data available to determine how likely or how soon you will die. They determine how much they will charge for your specific situation.
Every burial insurance company has unique underwriting guidelines.
Burial insurance companies that have underwriting generally check:
- Answer to health questions on the application
- Medical history through the Medical Information Bureau
- Medication history through Prescription database
- Driving record through the Department of Motor Vehicle
- Other companies may want to do a phone interview
Your answer to the health questionnaire is the biggest factor in determining your eligibility.
HOW DO INSURANCE COMPANIES FIND OUT ABOUT DUI?
Some life insurance companies that cover DUI customarily check the DMV records of applicants, so it’s unlikely you’ll be able to hide your DUI conviction from the insurer.
Any lies on the application are considered fraud, resulting in the insurance company rescinding your policy in the first two years if your lies are uncovered. Your beneficiaries would be denied payment if you die in the first two years if you lied on your application.
How Much Insurance Do I Need If I Have A Dui Or Dwi History?
The amount of burial insurance you should buy varies depending on your personal and financial circumstances. However, burial insurance should cover the cost of your funeral, burial, and final expenses.
The first step to figuring out how much burial insurance you need is to know your end-of-life expenses. Your funeral cost is often the biggest single expense you need to pay. Other end-of-life expenses to consider are your outstanding medical bills, living expenses, credit card bills, and other debts.
Here’s an example of a funeral cost breakdown from the National Funeral Directors Association.
| AVERAGE FUNERAL COST WITH VIEWING AND BURIAL | |
|---|---|
| Non-declinable basic services | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Hearse | $325 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Metal casket | $2,500 |
| Vault | $1,572 |
| Median Cost of a Funeral With Viewing and Burial | $9,420 |
| AVERAGE FUNERAL COST WITH VIEWING AND CREMATION | |
|---|---|
| Non-declinable basic services fee | $2,300 |
| Removal/ transfer of remains to funeral home | $350 |
| Embalming & preparation of the body | $1,050 |
| Use of facilities for viewing & funeral ceremony | $965 |
| Service car/van | $150 |
| Basic memorial printed package | $183 |
| Cremation fee (if firm uses a third-party crematory) | $368 |
| Cremation Casket | $1,310 |
| Urn | $295 |
| Median Cost of a Funeral with Viewing and Cremation | $6,970 |
| Rental Casket | $995 |
| Alternate Cremation Container | $150 |
How Should I Pay My Premiums?
The best way to pay your premium is through a savings or checking account. We recommend you set a bank draft from your savings or checking account. That way, the bank will automatically pay your premium each month, and you don’t need to worry about your policy lapsing due to non-payment.
Dui Or Dwi History And Burial Insurance Riders
Insurance policy riders add benefits to your policy. Adding insurance riders will enhance your policy to fit your needs. Some riders are built into your policy, while others can be added at an additional cost. Most riders are affordable, and it involves little to no underwriting.
Here’s a list of common burial insurance riders:
| FUNERAL FUNDS ADD-ONS | AVAILABILITY |
|---|---|
| Terminal Illness Add-On Benefit | Included with most plans |
| Nursing Home Care Add-On Benefit | Included with most plans |
Information We Need If You Have A Dui Or Dwi History
Burial insurance companies have differing views on DUI risks. Because of this, we need to know everything about your DUI arrest history for us to be able to match you with the carrier that is more lenient with your condition.
Don’t worry…we won’t judge you; we will only focus on getting you approved for the best insurance!
We will ask you the following questions:
- How many times have you been convicted of DUI?
- When was the last time you had a DUI?
- Has your license ever been suspended or revoked?
- Are you currently on probation?
- Do you have other traffic violations?
- How many alcoholic drinks do you average per week?
- Have you sought alcohol or drug abuse treatment at any rehab facility or attended support groups?
We need to know your DUI history to provide you with the best recommendation. The more information we get, the better your chances of finding affordable insurance coverage.
How To Get The Best Burial Insurance Rates For People With A Dui Or Dwi History
Buying burial insurance with a DUI history varies significantly from one company to the next so does their pricing. The best way to get quality burial insurance coverage at an affordable rate is to work with an independent life insurance agency like Funeral Funds.
Finding a company that does not ask about your DUI in their questionnaire is critical to get the best rates.
If you have several DUI or DWI convictions on your record, work with us, and you don’t have to worry about buying expensive plans or lower-quality plans anymore. We will match you up with carriers that never ask about DUI history and offer the best rate.
Benefits Of Burial & Funeral Insurance
Here are some of the benefits of purchasing a burial or funeral policy:
- No medical exam or doctor’s visit is required – easy to get approved.
- Ease of issue – easy to qualify and get insurance coverage.
- No Money Down to get approved – have your policy start whenever you want.
- Level premium – your premium will never increase.
- Fixed death benefit – your death benefit will never decrease for any reason.
- Permanent protection – your policy can not be canceled by the life insurance company if you continue to pay your premiums.
- Tax-free – the death benefit is directly paid to your beneficiary tax-free upon your death.
- Cash value builds up – burial insurance is a whole life policy that builds cash value over time.
Other Common Uses For Final Expense Life Insurance With A Dui Or Dwi History
All of these examples are appropriate uses for Final Expense Life Insurance:
- Burial insurance plan with a DUI or DWI history
- Cremation insurance plan with a DUI or DWI history
- Funeral home insurance plan with a DUI or DWI history
- Final Expense insurance plan with a DUI or DWI history
- Prepaid funeral plan insurance with a DUI or DWI history
- Mortgage payment protection plan with a DUI or DWI history
- Mortgage payoff life insurance plan with a DUI or DWI history
- Deceased spouse’s income replacement plan with a DUI or DWI history
- Legacy insurance gift plan to family or loved ones with a DUI or DWI history
- Medical or doctor bill life insurance plan with a DUI or DWI history
We can help you with any of the plans above. Your pricing will depend on your age, health, and coverage amount for each program option.
How Can Funeral Funds Help Me?
Finding a policy with a DUI or DWI history needn’t be frustrating, but working with an independent agency like Funeral Funds will make the process easier and quicker.
We will work with you every step to find the plan that fits your financial requirements and budget. You need not waste your precious time searching for multiple insurance companies because we will do the work for you.
We work with many A+ rated insurance carriers that specialize in covering high-risk clients like you. We will search all those companies and match you up with the best burial insurance company that gives the best rate.
We will assist you in securing the coverage you need at a rate you can afford. So, if you are looking for funeral or burial insurance with a DUI or DWI in your driving history, we can help. Fill out our quote form on this page or call us at (888) 862-9456, and we can give you an accurate quote.
Additional Questions & Answers On Burial Insurance With A Dui Or Dwi History
Can I get life insurance if I have a DUI?
The answer is yes. DUI does not disqualify you from receiving life insurance. In fact, some insurance companies do not ask about past DUIs.
Can I get life insurance if I have a DWI?
The answer is yes. DWI does not disqualify you from receiving life insurance. In fact, some insurance companies do not ask about DWI on the application questionnaire.
Do I need a medical exam to qualify for insurance if I have DUI?
No, you do not need a medical exam to qualify for life insurance if you have DUI.
Can I qualify for a first-day coverage plan if I have DWI?
Yes, you can qualify for first-day coverage if you have DWI. Some life insurance companies we work with do not ask about DWI so you can easily qualify for a first-day coverage plan with them.
Does DUI affect my life insurance eligibility?
Often DUI will not affect your life insurance eligibility if you apply with the right company.
Can I get burial insurance if I have a DUI?
Yes, you can get burial insurance if you have a DUI. Burial insurance is a policy designed to help you pay for your final expenses.
What are the benefits of burial insurance if I have DWI?
The benefits of burial insurance if you have DWI are that it can help you pay for your final expenses. Many people do not realize that the average cost of a funeral is over $10,000. A burial insurance policy can help you cover the costs of your final arrangements.
What are the uses of burial insurance for people with DUI?
The uses of burial insurance for people with DUI are the same as for people without DUI. Burial insurance can help you pay for your final expenses.
Do I need to disclose my DUI on a life insurance application?
No, you do not need to disclose your DUI if the life insurance company does not ask for it.
Can I get burial insurance if I have a DUI and pre-existing condition?
Yes, you can still get burial insurance with a DUI and pre-existing conditions. It is important to speak to an agent to determine your exact eligibility.
Can I get final expense insurance if I have a DUI?
Yes, you can get final expense insurance with a DUI.
What are the costs of burial insurance for people with DUI?
The costs of burial insurance for people with DUI can vary depending on the company, your health, and other factors.
Why should I get final expense insurance if I have a DWI?
There are many reasons to get final expense insurance if you have a DWI. This can include peace of mind knowing that your final expenses will be covered and it can help ensure that your family members do not have to deal with the financial burden of paying for your final arrangements.
Can DUI affect my insurance rates?
If you apply to the right company, DUI may not affect your insurance rates.
What is my best insurance option if I have a DUI?
Your best insurance option if you have a DUI will depend on your age and general health.
What is the maximum age to apply for insurance if I have a DUI?
The maximum age to apply for insurance if you have a DUI is 85 years old. Once approved, your insurance will remain active until you are 121 years old.
What is the process of getting final expense insurance if I have a DWI?
Getting final expense insurance if you have a DWI is the same as for people without DUI. You will need to complete an application with a qualified insurance agent.
What happens to my final expense insurance if I move?
Your final expense insurance will not change if you move. It is a permanent policy that stays active until you pass away. You will need to inform the insurance company of your new address so they can send you your policy documents.
What is the best time to get final expense insurance if I have a DWI?
The best time to get final expense insurance if you have a DWI is as soon as possible. This will ensure that you are covered in case of an unexpected death.
How long does final expense insurance last if I have a DWI?
Final expense insurance will last until you pass away.
Can I get funeral insurance if I have a DUI?
Yes, you can get funeral insurance with a DUI. Many life insurance companies will approve applicants with DUI and other health conditions.
How long does it take for my funeral insurance to go into effect if I have a DWI?
Your funeral insurance will go into effect as soon as you are approved by the life insurance company.
What are the things that may affect my eligibility if I have a DUI or DWI?
Many things may affect your eligibility for final expense insurance if you have a DUI or DWI, including your age, health status, and the type of policy you are applying for. It is important to speak to an agent about your specific eligibility requirements.
Will my insurance have a waiting period if I have a DUI?
No, your insurance will not have a waiting period if you have a DUI.
Can I get more than one insurance if I have a DUI?
Yes, you can get more than one insurance policy if you have a DUI.
What is my best insurance option if I have a DWI?
Your best insurance option if you have a DWI will depend on your age and general health.
Can I get cremation insurance if I have a DWI?
Yes, you can get cremation insurance with a DUI. Many life insurance companies offer this type of coverage and will approve applicants even with health conditions.
How do I choose the best life insurance if I have a DUI?
The best way to choose the best life insurance is to work with a qualified insurance agent. They will be able to help you compare different policies and find the one that best fits your needs.
How many life insurance policies can I have?
There is no limit to the number of life insurance policies you can have as long as you can afford the premiums.
What is the average cost of life insurance for people with DUI?
The average cost of life insurance for people with DUI will vary depending on some factors, including your age and health status.
What are the best life insurance companies for people with DWI?
There is no single best life insurance company for people with DWI, as many insurers will offer coverage to applicants with this condition.
What are some things I should consider when shopping for life insurance with a DUI?
When shopping for life insurance with a DUI, you will want to consider your health status, age, and other factors.
How can I get affordable life insurance if I have a DWI?
There are many ways to get affordable life insurance if you have a DUI. You will want to work with a qualified agent who can help you compare different policies and find the most affordable option.
Do I need to tell the insurance company about my DUI or DWI?
When applying for life insurance, you will need to inform the insurance company about your DUI or DWI. Failure to do so could result in your policy being null and void.
What are some tips for getting insurance for people with DUI?
Some tips for getting insurance for people with DUI include working with a qualified agent, choosing a policy that meets your needs, and being honest about your DUI when applying for coverage.
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