Burial Insurance with DUI/DWI History

Woman Wondering About Burial Insurance with DUI-History

Many people are led to believe that they cannot qualify for burial insurance with DUI history. The truth is, you can. If you need to get a burial insurance policy today, there are options for you to choose from.

Many consumers who come to us to secure burial insurance with DUI history are frustrated with other insurance agents, but it would have been easy if they let us connect them with the right burial insurance company.

The real secret to buying burial insurance with DUI history is knowing where to apply. If you apply with the wrong insurance company, you may find yourself paying more than you should or worse yet, you may not receive any coverage at all.

If your life insurance application was declined in the past because of your DUI history, we can help you. Funeral Funds have analyzed the underwriting guidelines of over 40 top-rated life insurance companies in the country. We can match you with the carrier that does not care about your DUI.

That’s right! Some companies don’t even ask about a DUI on their application questionnaire. This means they are accepting of your situation and they will approve you even with DUI history! It doesn’t matter when you got your DUI 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 preclude you from qualifying.

Do you want to know what else is cool?

You don’t need to take a physical or medical exam nor would you need to submit a urine and blood samples. You will only have to answer some basic questions about your health (some companies as no questions at all).

Over the years, we have assisted many clients with DUI history to get insurance coverage. Today, we will reveal to you how we were able to help them and how we are going to guide you in finding the best burial insurance with DUI history.









If you have been driving under the influence (DUI) or driving while intoxicated (DWI) history, you might have been told one of the following:

  • You can’t qualify for life insurance due to your recent DUI.
  • No insurance company will approve you for at least two years after your last DUI conviction.
  • If you have DUI within the past five years, you cannot qualify for the best rates.
  • You need to buy an accidental death policy because you can’t qualify for life insurance due to your DUI conviction.

Drunk driving is commonly known as driving under the influence (DUI) in more states and driving while intoxicated (DWI) in other states. DUI is a crime that is considered to be among the most serious of all driving offenses because it results in over one-third of all traffic fatalities.

The person is under the influence if his ability to drive safely is affected to some degree by alcoholic beverage or drugs. In every state, an individual with a blood-alcohol level of .08 or higher is presumed to be under the influence of alcohol.

The DUI law prohibits 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.

Simply put, if you drive while intoxicated, you are 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 charge 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 these terms and deny your application if you have a DUI or DWI…but not all of them!


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 do this to determine how much they will charge for your specific situation.

When you have DUI on your record, the underwriters will be concerned because of these four reasons:

  1. There is a probability that you will die in an alcohol-related crash. According to the National Highway Traffic Safety Administration, the driver with a DUI history is 40% more prone to get into a fatal accident caused by drunkenness.
  2. DUI could be a sign of other alcohol problems. Drunk driving can also be a sign of alcoholism, which increases the risk of dying in different kinds of accidents or health problems such as liver disease, high blood pressure, stroke, heart disease, and certain cancers.
  3. DUI offenders are more likely to repeat offend. Based on 2007-2011 data from 22 states 30% of people convicted of DUI are repeat offenders.
  4. DUI offenders are risk takers. Driving while under the influence of drugs or alcohol could mean you are more likely to engage in dangerous hobbies like bungee jumping, skydiving, ski jumping or other hazardous risks.


Every burial insurance company has unique underwriting guidelines. Burial insurance companies that have underwriting generally check medical information bureau, prescription history, and DMV.

Will I qualify for burial insurance with DUI history?

Yes. You can qualify for burial insurance with immediate coverage with DUI history if you do not have any medical condition that may prevent you from qualifying.

What if I have a recent DUI?

Some clients with a recent DUI had their applications denied because they originally applied to the wrong carrier.

Situations like these happen because when a DUI is less than a year, it is typically more challenging to find an insurance company that will take on that risk. Most life insurance carriers will have you wait two years before they are willing to consider you.

Applicants who apply on their own usually got declined because they don’t know which carriers cater to high-risk applicants. At Funeral Funds, we know what company is going to be the best option if you have a recent DUI on your record.

What if I have two or more DUI’s?

You can still be eligible for burial insurance with multiple DUI’s on your record.

If you have two or more DUI’s within the previous five years your options may be limited. However, we know one carrier that will approve your application even if you have a history of multiple DUI’s. If you are healthy, you can still be able to find life insurance coverage.

What impact does a DUI have on a funeral or burial policy?

A recent DUI conviction that occurred in the last six months has more impact on premiums than two DUI convictions that happened over ten years ago. When it comes to life insurance, things that happened a long time ago has a lesser impact than recent ones as long as it’s not repeated.

The longer the period of time since you committed your last offense, the less likely you will do it again. If you were convicted of DUI over ten years ago, you have already proven that you are not likely going to repeat that violation again.

However, if you are convicted just three months ago, time will be required for you to demonstrate that you will not commit another driving offense again. Your chance of getting another DUI is high in the eyes of the underwriter. If your DUI is still within the last six months, your application will be postponed or declined outright with the wrong carrier.

Don’t lose hope because we know a carrier that will consider you for burial insurance even if your DUI conviction is still within the last 12 months.


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 don’t judge you, we will only focus on getting you approved for the best insurance!

We will ask you the following questions:

  1. How many times have you been convicted of DUI?
  2. When was the last time you had a DUI?
  3. Has your license ever been suspended or revoked?
  4. Are you currently on probation?
  5. Do you have other traffic violations?
  6. How many alcoholic drinks do you average per week?
  7. Have you sought treatment for alcohol or drug abuse at any rehab facility or attend any support groups?

All this information could have a massive impact on your chances of approval and the rates you will receive.

We will also ask about your:

  • Age
  • Gender
  • Height and weight
  • Health conditions

It’s very critical, to be honest about your DUI to our agents on your life insurance application. Lying will have negative consequences in the end. It is better to tell everything to our agent. Getting all the information will enable us to help you get the best policy.

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 to the insurer.

Any lies on the application are considered fraud which will result in the insurance company to rescinding your policy in the first two years if your lies are uncovered. Your beneficiaries will be denied payment if you die in the first two years and you lied on your application.


Some burial insurance companies are not concerned with DUI. In fact, they don’t even ask!

Simplified issue policies are the next best choice for anyone who had been denied traditional insurance. Their lenient underwriting standards allow for people with DUI history to get coverage.


There are a few burial insurance companies are not concerned with DUI, and you will qualify for level death benefit or first-day coverage with the lowest rate.

This is the best policy option for people with DUI history because your beneficiary will receive the full death benefit whenever you pass away. Example, you purchased a $20,000 face amount, and you die a day after, your beneficiary will receive the full death benefit in the account of your passing.


A DUI as a stand-alone condition does not require you to settle for a guaranteed issue life insurance policy. The only time when you would need to go this route if your DUI is paired with a medical condition that could not qualify you for a level death benefit.

Burial insurance questionnaire contains knockout questions and prescription history check. Since DUI is not asked on the application, the only way for you to get knocked out is if you answer “yes” to a different knockout question.

If your prescription history reflects treatment for knock-out disease, then you will not qualify for the level death benefit and a guaranteed issue policy is your only option for coverage.

Knockout questions generally relate to heart attack, organ transplant, stroke, diabetes, cognitive function, amputations and some heavy prescription medications these conditions need for treatment.

Guaranteed issue life insurance does not require a medical exam or health questions. Applicants are guaranteed approval regardless of medical condition if you are a U.S citizen and fall under the age requirement.

A guaranteed issue policy has a smaller death benefit that ranges from $2,000 to $25,000 and is also slightly more expensive than insurance policies with health questions. A guaranteed issue policy also has a two or three-year waiting period where the death benefit won’t be paid to your beneficiary. The full death benefit will only be received after the waiting period has passed (some companies pay for accidental death during this period).


There are several ways you can get quality burial insurance coverage at an affordable rate. It’s crucial to work with someone like Funeral Funds to find the company that will be best for you.

Buying burial insurance varies significantly from one company to the next so does their pricing. We will help you find the best company with the best policy. We work with multiple top-rated companies, and we will shop your case to get the best deal.

Instead of wasting many hours on the phone with agents from several companies, let us do the legwork for you.

There some burial insurance carriers that look more favorably towards applicants with DUI history and there are other companies that won’t. If you want the best rates, it’s essential to find the company that does not ask about DUI in their questionnaire. This means, they don’t care and they will offer you the best rates like those people who don’t have DUI in their driving record.

If you have several DUI or DWI convictions on your record, you should not apply to different burial insurance carriers at the same time. 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 burial insurance carriers that don’t ask about DUI history and offer the best rate.


Trying to find a policy with a DUI or DWI needn’t be a frustrating process, but working with an independent agency like Funeral Funds will make the process easier and quicker.

If you have a driving history with DUI or DWI, let us help you; we will work with you side by side to find a plan that fits your needs.

We will work with you every step of the way to find the plan that fits your financial requirements and budget. You need not waste your precious time anymore searching for multiple insurance companies because we will do the dirty work for you.

We will shop your case to different insurance carriers and get you the best price.

We work with many A+ rated insurance carriers that specialized in covering high-risk clients like you.  We will search all those companies to get the best rate. We will 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.


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