High-Risk Life Insurance: DUI, Criminal History & More (2026)
Being classified as “high risk” doesn’t mean you can’t get life insurance. It means you need an agent who knows which carriers specialize in your situation.
This guide covers DUI history, criminal records, extreme sports, hazardous occupations, substance use, and other factors that affect your life insurance options in 2026.
At Insurance By Heroes, high-risk cases are our specialty. Founded by a former first responder and military spouse, our team understands risk—and we know which carriers are most flexible.
If you have questions about your situation, Insurance By Heroes can help compare options across multiple carriers.
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At Insurance By Heroes, we serve everyone—including high-risk applicants. Our team shops dozens of carriers to find the one that views your situation most favorably.