Life Insurance Rejected for Bad Driving?

I was just declined for a 20 year term life insurance policy (required for a small business) by State Farm on account of a poor driving record (I have auto insurance, though).

I have never been arrested, I have no DUIs - just a suspension and an accident deemed my fault, no injuries or anything.

Does this seem strange? Does anyone know a company that will insure me? I'm only 32, non-smoker, and in good health.


Your driving record is always an important underwriting factor and they have always been.

Anyone with a poor driving record may be considered high risk for life insurance, because any auto accident can lead to a possible death.

Any risk that increases your chances of death, for example, poor driving which may lead to a fatal crash, will effect your chances of getting life insurance.

First, what was the reason for your license suspension? Reckless driving? Failure to appear? Possession of illegal drugs?

All of these are risk factors that put you in a high risk category for life insurance.

Usually, life insurance companies are much more understanding and more willing to insure your life if your license problems have been cleared and your license reinstated.

Try to get the life insurance company an explanation, get it cleared and I bet you won't have any problem. Also, just because you have car insurance, doesn't mean you have low risk car insurance. You may find your rates decrease dramatically when your license problems are cleared up.

Also, you may want to compare life insurance quotes online from multiple companies to find out which carriers offer you coverage, and provide an affordable rate for you.

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