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Can I Get a Life Insurance Policy if I Have a Criminal Record?


Even if you’ve been convicted of a crime, getting life insurance is possible. Most insurance companies won’t raise your premiums because you have a misdemeanor or a traffic ticket on your record. However, buying life insurance with a felony charge will be more challenging and costly, particularly in the initial years after sentencing.

It’s important to remember that a person is considered a criminal only once they have been found guilty of a crime. In most cases, your insurance company will want to know how long ago your felony conviction was.

Furthermore, most companies will require you to provide information about your time in prison due to your conviction. While all of these factors will be considered, the type of indictment and sentence you received will likely carry the most weight with life insurance agencies.

How Does Life Insurance Get Affected By A Criminal Offense?

To determine if you have been convicted of a crime in the past or are presently being charged with one, you will be asked a series of questions regarding your criminal background when you register for life insurance. Your responses determine whether or not you qualify for a life insurance plan and how much you’ll have to pay for that coverage.

It’s important to be truthful about your criminal history, even minor offenses. If you apply for life insurance and try to cover a felony conviction, the insurance company will discover it when they conduct a background check.

In addition, if you provide any false information on your paperwork, the life insurance agency will deny your coverage. Additionally, future insurance providers will have access to your application history, decreasing the likelihood that you will be accepted.

How To Get It?

To obtain life insurance with a criminal offense on your record, you must locate an independent agent who is well-versed in locating such coverage and works with many insurance providers, such as Franklin Life & Annuity.

After a criminal conviction, it’s recommended to keep paying for the life insurance that you had before the conviction. Due to the high recidivism rate among inmates, life insurance might be difficult to obtain after a recent criminal conviction. The Bureau of Justice Statistics found that “nearly two-thirds of freed inmates were rearrested in less than three years.”

Those life insurance agencies that do cover felons will base their decisions on variables, including the nature of the offense, how long it took you to serve your sentence, and how long it will be until you can apply for a license again. With time, things improve.

When filling out a life insurance application, it is best to be as honest as possible. To avoid submitting an incomplete application, wait until you possess all the necessary details. An application with misleading answers is a total waste of time.

You may not be considered if you apply and don’t give honest answers. Even if your candidacy is accepted, your beneficiaries may not receive a life insurance payout if you fail to reveal a substantial criminal record.


If a potential client mentions that they have a felony conviction on their record, a competent life insurance agent will realize immediately that they will need to put in a lot of extra time and effort to locate affordable life insurance.

However, you shouldn’t let that stop you from calling a life insurance agent who can shop around for you and put in the hard work and time to find your life insurance despite your felony record. That’s why you should get in touch with Franklin Life & Annuity in Texas. We are one of the best companies that offer life insurance in Texas. Contact us today, and we’ll help you find a life insurance policy, despite your felony charge.

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