Life Insurance Quote Request!

DUI-home-top is here to help you secure affordable life insurance no matter what your driving history may look like.

Many of our clients have been declined coverage in the past due to a number of reasons;

  1. Their health, vocation and/or family history truly makes it difficult to insure them by standard measures.
  2. The agent they were working with did not have access to enough insurance companies to properly shop their risk and find an appropriate coverage option.
  3. Or, the agent they were working with did not have an in-depth understanding of the client and their driving history as it pertains to securing the best life insurance plan.

If you’ve been declined life insurance coverage in the past due to a previous –

  • Reckless Driving
  • Driving Under the Influence (DUI)
  • Driving While Intoxicated (DWI)
  • Multiple Moving Violations or Auto Accidents
  • Or any other license and/or driving related issues.

Let us go to work for you!

We’ll find you an appropriate life insurance carrier that will offer you the best possible coverage.


Life Insurance Quote Request

 How we work.

If life insurance is new to you, that’s okay, we’re here to listen and teach in order to secure your trust and life insurance business.

Big Brothers Big Sisters 2014

My name is Jesse Sallak and I’m the owner/agent behind

I’ve been there before, back when I was younger and even dumber, I unfortunately received a DUI while out on spring break. I was 21 at the time and just finishing up college. Now with a wife, 2 children, and many more responsibilities I carry over a million dollars of coverage on myself, just in case. While shopping my own case, my options ranged from rated, declined, over $100/month, and all the way down to $26.25 per month at the best possible health rating with only 1 particular carrier. Of course the decision was easy at that point, but it took numerous emails, phone calls, and digging to come to that decision. With fingers crossed, I applied and was later approved exactly as applied for. 

$1,000,000 of term coverage at only $26.25 a month!

To my benefit, I no longer consume alcohol and haven’t for some time now. As a non-smoker/non-tobacco user, I was able to secure Non-Tobacco/Non-Smoker rates which kept my rates down. Other positives include “lifestyle credits”, such as completing a couple marathons, half-marathons, Ironman 70.3’s, and long distance road cycling events over the years. I also have years of volunteering and a few other miscellaneous qualities that may have helped me secure the best possible health class when I applied.

Each case will be different but each case will be treated as if it were my own!

Our Approach

Step 1) YOU! It’s all about you!

We take the time to understand you and your unique situation. By taking the time to listen and discuss your driving history, health and background, we’re able to recommend accurate rates so there’s no surprises after underwriting finishes their review of your life insurance application.

Our experience has been that many life insurance agents don’t take the necessary time to apply with the right company that will offer you the best rates. When we speak with people who’ve been declined for life insurance because of a DUI, DWI, reckless driving, speeding tickets, no drivers license, revoked drivers license, suspended license, etc., it’s usually because the previous agent didn’t understand their risk well enough or simply applied with the wrong insurance company.

Our personal approach with our clients empowers us to hunt for the best rates and helps describe your past driving history in the best light possible to the insurance company’s underwriter. We’ll fight on YOUR behalf to help you secure the best possible life insurance rates after a DUI or DWI. We’re independent life insurance agents that work for you and NOT for any one specific life insurance company.

Step 2) Our Process

Our goal is to provide exceptional service for you from start to finish and beyond through annual reviews after you’ve secured your life insurance coverage. From quotes to completion, we’ll provide a smooth experience utilizing the latest in technology, our vast life insurance experience and our relationships with over 60 life insurance carriers.

Our database of high risk life insurance cases and online underwriting guides provide us a leg up over our competition.

Step 3) The End Product – Affordable life insurance after a DUI/DWI

When it comes down to it sometimes life insurance is required due to a loan, mortgage, business deal, divorce, or other reason but most people buy life insurance for the peace of mind. Life insurance provides security for your family in the event you were to pass away prematurely. Knowing that your wife, husband, children, business partners and others will be okay financially when you pass away can not be measured in dollars and cents.

Our product is our Process.

Our knowledge and experience in working with high risk DUI cases puts us ahead of our competition.

The life insurance companies that we work with are highly rated stable companies. At the end of the day, we know what life insurance companies are looking when it comes to a bad driving record and we’ll do our best to place your business with the company that will give you the best possible chance at qualifying for affordable coverage. By knowing who looks most favorable upon your unique driving history situation, we’re able to help you get the best rates possible from the correct company. We know what questions the insurance carriers will ask. This saves you time and frustration, allowing you to get insured more quickly.

What you can expect from us.

We’re a small life insurance agency, dedicated to helping you obtain affordable life insurance coverage. That’s it.

Since we are an Independent Agency, we work on YOUR behalf NOT the life insurance companies’.

With that independence comes the freedom to shop top rates from top carriers. This allows us to find the best possible rates based on your past driving history, alcohol use, and license situation.

In order to secure the best possible rates, we’ll need to know the following about you and your driving history:

  • Date you received your DUI(s)/DWI(s)
  • Any other moving violations
  • Date license was reinstated
  • Reckless driving violations
  • Current alcohol and/or drug use
  • Date of last consumption if currently sober
  • And other factors such as Tobacco use and other health concerns which may make your qualification for life insurance more challenging.

This information will be crucial, as each insurance company has specific guidelines that may affect which carrier we choose to apply with. If you don’t know some of that information, that’s okay, we’ll do our best to provide you with an accurate rate while we request a copy of your motor vehicle record.

We will then refine our sights onto a handful of life insurance carriers which we feel would give you the best quotes, rates and health ratings. From first discussion with you to choosing a company or companies to apply with may take 20 minutes or several days as we may need to request a confidential quick quote from multiple life insurance underwriters before we decide on one or two that we would like to formally apply with.

Just know that no detail is too small.  Being upfront and honest will help you secure the best rates quickly. Although insurance carriers typically request medical records, it’s important for us to discuss your medical history so we can present it to the insurance companies’ underwriters the way you would like it presented. Let’s not leave important details of your case up to chance.

When you apply for coverage, we write a cover letter that highlights the your case history and other lifestyle factors that won’t show up on a medical exam or your medical records. In your life insurance application cover letter, we’ll explain why you need the coverage so the underwriter can make a connection with your application rather than just viewing it as another typical case. We take every step available to present your case honestly and thoughtfully in order to obtain the best possible rate class. Think about it, we’re not paid unless you can qualify and purchase insurance through us. It’s our goal to work alongside you and we are able to do our best when there is clear, open, and honest communication between our clients and ourselves.

Life Insurance Underwriting for DUI’s/DWI’s

The question is often asked, “Can I get life insurance if I’ve had a DWI or a DUI?” or “Can I qualify life coverage with a bad driving history?” The answer is Yes! but how much it may cost you depends on many factors.

If you choose to work with another agent, that’s okay. But you owe it to yourself to work with the best. You do not want to leave your life insurance purchase up to chance. Make sure you’re working with an independent life insurance agent who is truly independent and understands your needs and risk. One who is willing to take the time to listen. And one that will present you and your case to the right companies and underwriters. Your life insurance options may be limited, but don’t limit yourself further by working with someone who can’t access the multiple top life insurance companies and find you the best life insurance quotes.

Give us an opportunity to earn your trust and in return your business. Our attention to detail gives you the greatest opportunity for coverage approval with a prior driving under the influence charge on your record.

We’re here to answer any questions about your life insurance needs. Let us know if you’re looking for whole life insurance quotes, term life insurance quotes or possibly a combination of both.

Bottom Line

 Let us work for you!

*Disclaimer – This is not meant to be an offering of coverage or mutually exclusive definition of approval guidelines by, agents or partners. We’ll do our best to maintain this information as a guide but are held harmelss for mistakes which may have been made in putting forth this information or will likely be make in the future as it pertains to distributing general use information for those that visit and use this website and its related content.

This is information meant to be used as a conversation starter and not advice in and of itself to be copied, duplicated, or otherwise used without PRIOR consent by