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no alcohol abuse history

Can You Get Life Insurance Shortly After A DUI?

By Ed Hinerman on June 4, 2012

The rule of thumb for single DUI incidents has always been that new life insurance coverage just isn’t available until you’re a year out from your finger missing your nose, your liver functions are normal and there is no history of alcohol abuse. Or at least that’s what I thought the rule of thumb was. ...read more

Posted in Alcohol Treatment Life Insurance, DUI, insurance, life insurance | Tagged 3 months from single dui incident, 3 months out from dui, approve at standard table 1, business key man coverage, DUI, instant issue business policy, insurance, life insurance, Lloyds of London, need it now, no alcohol abuse history, normal liver functions, NW Mutual, standard and $3.50 flat extra per thousand

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“Thank you so much for the effort you put into securing my husband’s life insurance policy. As a person diagnosed with bi-polar type II, he was treated as nearly impossible to insure by our old insurance agent. Yet, he is fully functioning with this disease and has a flourishing career. You were able to hear our frustrations about the stigma attached to the bi-polar label--that all bi-polar patients are depressive or suicidal-- and teach the insurance company’s underwriter the difference between a functioning bi-polar II adult and a person whose disease is far more of a liability to an insurance company. Thank you for the effort you put into securing my husband’s policy; with your help, we ended up with a policy that costs the same as a healthy, non-smoking, non-bi-polar adult. Moreover, your service as our agent was impeccable. You followed up every step of the way. We can’t wait to tell others--with or without illness-- about your service.”
Kate & Sean


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