Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 19, 2021

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The Facts of Life

  • Insurance companies will offer coverage to felons if the crime they were convicted of was not violent
  • Prudential will offer good rates, as long as the felon shows outstanding recovery and rehabilitation
  • If you currently have a felony, you will not be able to obtain coverage until charges are dismissed or until the trial is over

Getting life insurance after a DUI conviction and getting life insurance after – or while – fighting a felony case are two completely different situations.

Both incidents are seen as high-risk, but both require different things to be able to be covered.

White-collar felonious crimes and violent felonious crimes are also different in the eyes of insurance companies. Once you have been convicted for a violent felony crime, you will automatically be denied for coverage.

Various insurance companies require different amounts of times to elapse before feeling comfortable to insure a felon.

Find a life insurance company that accepts felons. Enter your ZIP code and get a free quote today.

Which Life Insurance Companies Grants Coverage to Felons?

Life insurance companies that accepts felons varies and they all have different stipulations and qualifications. There are few companies that don’t accept felons.

The most lenient life insurance company is Prudential.

Prudential utilizes their underwriting credits and they like to see change and progress. As long as the person with a felony is showing outstanding recovery and rehabilitation, then they are likely to be accepted and receive a good rate.

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Can You Get Life Insurance With A Felony?

If you are currently being charged with a felony, you will not be able to get life insurance coverage until your charges are dismissed or your trial is over.

If you have previously been convicted, your insurance company will ask about the timing of the crime and the details.

Each will be on a case-by-case basis, but factors being considered include: the type of crime, how long ago the crime was committed, and the number of offenses on your record.

For those who are currently on probation or in jail, they are not allowed to apply for a life insurance policy. Insurance companies typically will not approve your application until you’ve been out of probation for as little as one year or as much as ten years. This time frame varies by company.

Life insurance for inmates is typically limited to accidental death & dismemberment coverage at the most. This type of policy pays benefits to a beneficiary if the death of the inmate is accidental.

There are a few sure ways to be denied coverage for a felony. Insurance companies are more accepting of white-collar crimes. Violent crimes is grounds for automatic disapproval of coverage. Violent felonious crimes include:

  • child molestation
  • drug trafficking
  • rape
  • murder
  • kidnapping
  • conspiracy to commit any of the offenses listed above

If your felony does not include any of these, then be upfront and honest with your insurance company and you will receive a fair chance.

How to Buy Life Insurance With a Felony

Buying life insurance with a felony is a more in-depth process than buying life insurance with a clean criminal record or a criminal record with small infractions.

  1. You should wait as long as possible after your charges have been dismissed or your trial has ended before applying for life insurance. Companies appreciate seeing that a great amount of time has elapsed and no new crimes has been committed during that time.
  2. Choose the correct insurance agent. With a criminal record, it is important to work with an insurance agent or broker because they know the market. Because of this, they know who is more likely to accept you and who is more likely to deny you.
  3. Consider other options: group life insurance and guaranteed-issue life insurance

Tips for Felons Buying Life Insurance

To make the purchase of life insurance flow a little more smoothly, there are a few things you can do. One, write an exceptional cover letter. Explained what happened with the crime(s) that took place and take full responsibility.

Second, you should show a stable workplace and whatever education you have, while exhibiting a connection to service in your community.

Lastly, research life insurance policies specific to your area. This way you know what to expect and you won’t be blindsided.

Is Life Insurance More Expensive with a Felony?

Depending on the nature of the felony and the requirements or restrictions of the insurance company, life insurance rates will vary.

Average Monthly Life Insurance Rates for Convicted Felons by Age
AgeAvg. Monthly Standard Rates
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The table above should give you an idea of what you might have to pay.

What Are Alternative Options?

Two alternative options are accessible to people with felonies.

The first option is guaranteed issue life insurance. This type of life insurance requires you to complete a basic application with no medical exam necessary, and nearly all applicants are accepted.

With guaranteed issue life insurance, a person’s rates are calculated based on their age, hobbies, and medical conditions.

The way it works is for the insured to continuously and consistently pay the premiums and they will have coverage for life; monthly payments in exchange for a fixed amount to be paid out upon death.

The insured is able to designate a funeral home as beneficiary to be paid directly for funeral costs. A couple downsides of this type of coverage is that there is no cash value and no savings component. Also, there is usually a maximum payout of $25,000.

The second option is to obtain group life insurance. This coverage is typically offered by an employer or another large-scale entity. It is inexpensive, sometimes free, and comes directly from your paycheck.

Group Life Insurance does not require a medical exam. The only requirement is to be employed by your employer for the time period they require. Once you are terminated or resign, the group coverage ends.

Find out if you qualify for Guaranteed Issue Life Insurance. Enter your ZIP code and get a free quote today.