Tampa FL term life insurance
Filed under: Life insurance Tampa Florida, No exam life insurance Tampa
Reader question:
How will things such as DUI and alcohol recovery programs affect my Tampa FL term life insurance rates?
Jackie
Thanks for asking, Jackie.
Anything you do which shows a history of having problems with or a heavy reliance on alcoholic drinks will drop your status in the eyes of your Tampa FL term life insurance company. With just one DUI, you’re probably going to be paying for an expensive rated policy for two years, and then might be able to get standard rates if you’re lucky. If you have more than that, though, or it’s part of a string of problems with you, then you’d be extremely lucky to find anyone at all who would insure you.
If you have participated in a program for alcoholics, it makes matters worse. Put together with your DUI, you will be uninsurable for several years. Just by itself, though, it’s pretty bad. Although you may be able to get into standard rates within two years after recovering from alcoholism, it will take another decade or two for you to get the chance to move up to preferred rates, all things being equal.
take care,
Fashun