Can a felon get life insurance

AffiliatePal is reader-supported. When you buy through links on our site, we may earn an affiliate commission.



Can a felon get life insurance? This is a common question among individuals with a criminal record who are seeking life insurance coverage. Life insurance is an important financial tool that provides financial protection for loved ones in the event of the policyholder’s death. However, the eligibility of felons for life insurance can be a complex issue. In this article, we will explore the factors that can impact a felon’s ability to obtain life insurance coverage.

Impact of Criminal Record on Life Insurance

When applying for life insurance, insurance companies typically assess the risk associated with an applicant. This risk assessment includes various factors such as age, health, occupation, and lifestyle. In some cases, a criminal record can also be considered as part of the risk assessment process.

Insurance companies may view individuals with a felony conviction as higher risk policyholders. This is because certain criminal activities may indicate a higher likelihood of premature death or health issues. For example, individuals with a history of violent crimes or drug-related offenses may be perceived as higher risk by insurance companies.

Factors Considered by Insurance Companies

While insurance companies may consider an applicant’s criminal record, they also take into account several other factors before making a decision. These factors may include:

Time since conviction: Insurance companies often consider the time that has passed since the conviction. The longer the period since the conviction, the more likely an applicant may be eligible for coverage. This is because insurance companies may believe that the individual has rehabilitated and poses a lower risk.

Type of offense: Insurance companies may differentiate between different types of offenses. For example, a non-violent offense may be viewed differently than a violent offense. Less severe offenses may have a lesser impact on an applicant’s eligibility for life insurance.

Severity of offense: The severity of the offense can also play a role in the insurance company’s decision-making process. Insurance companies may assess the risk associated with the offense and determine the eligibility accordingly.

Options for Felons

While it may be more challenging for felons to obtain life insurance coverage, it is not impossible. There are several options that felons can explore:

Group life insurance: Group life insurance policies, often provided by employers, may not require a medical exam or detailed underwriting. This can make it easier for felons to obtain coverage through their workplace.

Guaranteed issue life insurance: Guaranteed issue life insurance policies do not require medical exams or health questions. These policies are typically more expensive and offer lower coverage amounts, but they can be an option for felons who have difficulty obtaining traditional life insurance.

Working with a specialized agent: Felons can also work with specialized insurance agents who have experience dealing with high-risk cases. These agents can help navigate the application process and find insurance companies that may be more lenient towards individuals with a criminal record.


In conclusion, while a felony conviction can impact an individual’s ability to obtain life insurance coverage, it is not an absolute barrier. Factors such as the time since conviction, type of offense, and severity of offense are considered by insurance companies when assessing eligibility. Felons may have options such as group life insurance, guaranteed issue life insurance, or working with specialized agents to find coverage. It is important for individuals with a criminal record to explore these options and seek professional guidance to find the best solution for their life insurance needs.