Life Insurance
Consensus Index

AI Consensus Index

Best Life Insurance After a DUI

Prudential is the consensus leader for life insurance after a DUI, named by all 7 platforms studied and ranked first by four of them, with a reported willingness to consider a single DUI as early as 12 months post-conviction and no flat extra charges.

Research: 2026-09-227 usable platform responsesRead the methodology ↗

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Answer Capsule

Prudential is the consensus leader for life insurance after a DUI, named by all 7 platforms studied and ranked first by four of them, with a reported willingness to consider a single DUI as early as 12 months post-conviction and no flat extra charges [1]. Banner Life is the strongest alternative for older, isolated offenses and competitive term pricing [4]. Mutual of Omaha is the leading fallback for guaranteed-issue and final-expense coverage for ages 45–85 [6]. Transamerica publishes the most explicit age-and-timing flat-extra grid [7]. This index studied 7 AI platforms (openai, anthropic, deepseek, grok, perplexity, kimi, google) using one standardized prompt sent once to each. The principal limitation: platform answers are market intelligence, not verified underwriting rules, and several carriers publish no DUI-specific guidelines at all.

Research Snapshot

  • Topic: Life Insurance After a DUI (Health Conditions & High-Risk Life Insurance)
  • Target buyer: A U.S. consumer with a DUI or DWI in their driving history who wants life insurance and understands that underwriting may weigh how long ago the incident occurred, whether there were multiple offenses, current driving record, alcohol or substance-use history, treatment where applicable, and other risk factors.
  • Platforms included (7): openai, anthropic, deepseek, grok, perplexity, kimi, google
  • Research date: 2026-09-22 (authoritative run date; platform-reported dates are provenance metadata and do not independently prove freshness)
  • Unique entities named: 21
  • Qualifying entities: 10
  • Eligibility rule: named by at least two platforms during ranking discovery
  • Ranking authority: the final ranking table, ordered by platform mentions, then average listed rank, then best listed rank

Platform mentions count only ranking-discovery mentions. They are not the number of platforms that later completed a fit assessment, and they are not a quality score.

The Consensus Ranking

Questions This Section Answers

  • Which life insurance carriers for applicants with a DUI have the most platform mentions in this 2026 study?
  • How many of the 7 AI platforms named Prudential, Banner Life, and Mutual of Omaha for life insurance after a DUI?
RankEntityPlatform mentionsAverage listed positionBest positionBest considered for
1Prudential71.571Applicants with a single or older DUI whose broader health, alcohol-use, and driving history are otherwise favorable.; Applicants seeking substantial term coverage or permanent coverage and willing to complete traditional underwriting if accelerated underwriting is unavailable.; Applicants whose case may benefit from an underwriter reviewing circumstances rather than relying only on a simplified automated decision.
2Banner Life72.141A consumer with one DUI outside the applicable published lookback period.; Applicants seeking conventional term coverage with level premiums and several available term lengths.; Applicants who value a future conversion option and may qualify for accelerated underwriting.
3Mutual of Omaha63.831Applicants with one older DUI, an otherwise clean driving record, stable alcohol or substance-use history, and a need for conventional term or permanent coverage.; Applicants age 45-85 who need only $2,000-$25,000 of guaranteed-issue final-expense coverage.; Applicants willing to use an independent broker to compare Mutual of Omaha with carriers having more favorable documented impaired-risk underwriting.
4Lincoln Financial66.004Applicants seeking individually underwritten term coverage of $250,000 or more.; Applicants with an older or isolated DUI who can provide complete driving, alcohol-use, treatment, and medical information.; Applicants who value the ability to convert qualifying term coverage to a Lincoln permanent policy.
5Protective Life53.203Applicants with one older DUI and otherwise favorable health and driving history.; Applicants seeking term coverage with level premiums, broad term-length choices, and conversion options.; Applicants who may qualify for accelerated underwriting but are willing to proceed through traditional underwriting if the DUI triggers additional review.
6Transamerica54.402Applicants with one older DUI, otherwise favorable health and driving history, and a need for conventional term coverage.; Applicants who want guaranteed initial level premiums for 10, 15, 20, 25, or 30 years.; Applicants who may value conversion from term to permanent insurance without new underwriting, where the applicable policy and jurisdiction allow it.
7Haven Life (MassMutual)36.005Existing Haven policyholders needing servicing through MassMutual.; Consumers researching how the former Haven underwriting process treated driving records and no-exam applications.; Existing Haven Life policyholders who need to understand their current coverage remains valid under MassMutual administration
8Pacific Life26.505A buyer seeking conventional term coverage with fixed premiums for 10, 15, 20, 25, or 30 years.; A buyer with an older, isolated DUI, stable current driving record, and no disclosed alcohol or substance-use concerns who wants a carrier to evaluate the complete file.; A buyer who values a conversion option that does not require new underwriting during the stated conversion period.
9Corebridge Financial27.004Applicants with a single DUI that occurred several years ago, no recent violations, and otherwise insurable health.; Applicants seeking term coverage with a selectable duration and willing to undergo full underwriting.; Applicants who can use an agent or broker to obtain a case-specific underwriting decision.
10SBLI28.007Applicants whose DUI/DWI occurred more than five years ago.; Applicants with one isolated incident, no recent license suspension or revocation, and no concerning alcohol or drug-treatment history.; Applicants seeking level-premium term coverage with possible accelerated underwriting when they meet SBLI's eligibility limits.

Which Option Is Best for Which Version of the Buyer Need?

Questions This Section Answers

  • Which life insurance carrier should a buyer with a DUI choose if they need coverage within 12 months of the offense?
  • Which carrier is best for a buyer with a DUI who needs guaranteed acceptance and is age 50 or older?
  • Is Prudential or Banner Life better for a single DUI that is more than five years old?
Buyer situationBest-fit entityWhy, per the evidence
Single DUI 12–24 months ago, wants fully underwritten coveragePrudentialReported willingness to consider a single DUI as early as 12 months post-conviction, with Table 2-type ratings for recent incidents
Single DUI 24+ months ago, wants low-cost termBanner LifeReported consideration after roughly 24 months with competitive base rates that remain attractive after table ratings
Single DUI 3+ years ago, wants the gentlest table ratingProtective LifeReported Table A–B ratings at 3–5 years, described as among the mildest in the market
Single DUI under 1 year ago, age 36+, wants a predictable.

1. Prudential

Questions This Section Answers

  • Is Prudential worth it for life insurance after a DUI, and what are its main drawbacks?
  • How much does Prudential charge a buyer with a DUI compared with a clean-record applicant?

Prudential is the consensus leader for this use case. It was named by all 7 platforms and ranked first by four of them, and it is the only carrier in this index that multiple platforms describe as deliberately deviating from reinsurer driving-history guidelines [8]. The strongest version of the buyer need is a single DUI that is either recent or isolated, with otherwise favorable health, alcohol-use, and driving history.

Why it ranked here. Prudential's average listed position of 1.57 is the best in the index, and its best position of 1 reflects first-place placements from openai, anthropic, grok, kimi, perplexity, and google. The ranking is driven by platform mentions, not by any single platform's enthusiasm.

Best suited for. Applicants with a single or older DUI whose broader health, alcohol-use, and driving history are otherwise favorable; applicants seeking substantial term or permanent coverage who are willing to complete traditional underwriting if accelerated underwriting is unavailable; and applicants whose case may benefit from an underwriter reviewing circumstances rather than a simplified automated decision.

Main strengths for the use case. Platform-reported evidence describes a 12-month post-conviction consideration window for a single DUI, which is shorter than the 2–5 year windows attributed to most competitors [10]. Prudential is also reported not to charge flat extra fees for DUI history, unlike most competitors that charge per $1,000 of coverage [12]. Reported rate progression runs Table 2 within 12 months, Standard Plus after 12 months, Standard Plus or better after 3 years, and no impact after 10 years [14]. Prudential is also described as one of the few carriers that will consider more than two DUIs within 10 years, and as distinguishing between BAC levels such as 0.09 versus 0.18 [15]. Product structure includes Term Essential with 10-, 15-, 20-, and 30-year level-premium periods and a $100,000 minimum face amount, plus universal, indexed universal, and variable universal life [17].

2. Banner Life

Questions This Section Answers

  • Is Banner Life or Prudential better for a single DUI that is more than two years old?
  • What does Banner Life's published underwriting guide say about DUI lookback periods and multiple offenses?

Banner Life is the strongest alternative to Prudential and the only other carrier named by all 7 platforms. Its distinguishing feature is that its published underwriting guide directly addresses DUI/DWI lookback periods and multiple offenses, which makes its criteria more predictable than carriers that publish nothing [19].

Why it ranked here. Banner Life's average listed position of 2.14 and best position of 1 reflect first-place placements from anthropic and grok, with second-place placements from google, kimi, and perplexity. It is the only entity besides Prudential with 100% platform share.

Best suited for. A consumer with one DUI outside the applicable published lookback period; applicants seeking conventional term coverage with level premiums and several available term lengths; and applicants who value a future conversion option and may qualify for accelerated underwriting.

Main strengths for the use case. Banner's published underwriting guide states that Standard Plus non-tobacco generally requires no DWI, DUI, reckless/negligent driving, license revocation, or suspension in the last three years, with a shorter two-year period for another listed standard class [19]. Google reported a tiered ladder: Preferred Plus requires no DUI in 7 years, Preferred and Select require none in 5 years, and Standard requires none in 2 years. OPTerm is available in 10, 15, 20, 25, 30, 35, and 40-year terms with coverage from $100,000, and eligible conversion to LifeStep Universal requires no additional underwriting [20]. Accelerated underwriting is available up to $5 million for ages 20–60 and $500,000 for ages 61–70 [22]. Banner is described as underwriting "individuals, not impairments" and keeping applicants "on the journey to a decision" rather than declining for certain conditions [23]. Reported base rates are among the lowest in the industry, which matters because table-rated premiums remain competitive relative to peers [25].

Main limitations. Multiple DUIs are specifically excluded from the cited underwriting criteria [19].

3. Mutual of Omaha

Questions This Section Answers

  • Is Mutual of Omaha worth it for a buyer with a DUI who needs guaranteed-issue final expense coverage?
  • What is Mutual of Omaha's DUI lookback period for fully underwritten term versus Living Promise whole life?

Mutual of Omaha ranked third on the strength of 6 platform mentions and a best position of 1, but its fit is genuinely split by product. It is the index's clearest answer for older applicants who need guaranteed acceptance, and one of the weaker answers for younger applicants who need large term coverage [26].

Why it ranked here. Mutual of Omaha's average listed position of 3.83 is the third-best in the index, but its ranks by platform ranged from 1 (deepseek) to 6 (grok, perplexity), the widest spread among the top three. That spread reflects the product-split nature of its fit rather than disagreement about the underlying facts.

Best suited for. Applicants with one older DUI, an otherwise clean driving record, stable alcohol or substance-use history, and a need for conventional term or permanent coverage; applicants age 45–85 who need only $2,000–$25,000 of guaranteed-issue final-expense coverage; and applicants willing to use an independent broker to compare Mutual of Omaha with carriers having more favorable documented impaired-risk underwriting.

Main strengths for the use case. Guaranteed Whole Life is available generally at ages 45–85 (50–75 in New York) with coverage from $2,000–$25,000, requires no medical exam or health questions, and does not use medical history as an eligibility factor [26]. Term Life Express is simplified-issue coverage with face amounts of $25,000–$300,000 for ages 18–50, $25,000–$250,000 for ages 51–60, and $25,000–$150,000 for ages 61–75, using data checks and possibly an MVR and phone interview [28]. Living Promise is simplified-issue whole life with issue ages generally beginning at 45 and face amounts up to $50,000 for the level-benefit plan [28]. Google reported that the Living Promise Level Benefit plan allows immediate first-day coverage for applicants whose DUI occurred more than 2 years ago, provided there are no other major medical complications [29].

4. Lincoln Financial

Questions This Section Answers

  • Is Lincoln Financial worth it for a buyer with a DUI who needs $250,000 or more of term coverage?
  • What happens to a Lincoln Financial application if the DUI occurred within the last five years?

Lincoln Financial ranked fourth with 6 platform mentions but the weakest average listed position among the top six at 6.00. Its fit is narrow and well-defined: it is a large-case carrier with a hard 5-year DUI-free requirement for preferred classes, and it is not positioned as a DUI specialist [30].

Why it ranked here. Lincoln's best position of 4 came from grok, with fifth-place placements from openai and perplexity and eighth-place placements from anthropic and kimi. The gap between its mention count and its average rank reflects that platforms named it as a relevant carrier without placing it near the top for this specific use case.

Best suited for. Applicants seeking individually underwritten term coverage of $250,000 or more; applicants with an older or isolated DUI who can provide complete driving, alcohol-use, treatment, and medical information; and applicants who value the ability to convert qualifying term coverage to a Lincoln permanent policy.

Main strengths for the use case. LifeElements Level Term has a stated minimum face amount of $250,000 with dedicated underwriting teams for larger cases, and is available in 10-, 15-, 20-, and 30-year terms [32]. TermAccel Level Term is fully automated with lab-free underwriting for qualifying applicants, available for ages 18–60 with coverage of $100,000–$2.5 million, and many applicants are approved in 1–2 business days without a medical exam [34]. Both products allow conversion to qualifying Lincoln permanent policies without new underwriting before the end of the level-premium period or attained age 70, whichever comes first [36]. Lincoln is described as using underwriter judgment and discretion on a case-by-case basis beyond published guidelines, and as strong with complex medical histories [38]. Financial strength is reported as A (Excellent) from AM Best [40]. .

5. Protective Life

Questions This Section Answers

  • Is Protective Life worth it for a buyer with a DUI who is three or more years past the offense?
  • Does Protective Life use temporary flat extras or permanent table ratings for DUI history?

Protective Life ranked fifth with 5 platform mentions and the third-best average listed position at 3.20. It is the index's clearest answer for a buyer who is three or more years past a single DUI and wants the mildest available table rating, but it publishes no DUI-specific underwriting grid [41].

Why it ranked here. Protective's best position of 3 came from anthropic, grok, kimi, and perplexity, with a fourth-place placement from deepseek. Its 71.4% platform share reflects that two platforms did not name it during ranking discovery.

Best suited for. Applicants with one older DUI and otherwise favorable health and driving history; applicants seeking term coverage with level premiums, broad term-length choices, and conversion options; and applicants who may qualify for accelerated underwriting but are willing to proceed through traditional underwriting if the DUI triggers additional review.

Main strengths for the use case. Protective's application asks whether the applicant had, within the prior five years, a DUI conviction, two or more moving violations, or a suspended or revoked license, and its underwriting guide states that preferred-type guidelines generally require no DUI or reckless driving in the previous five years [42]. Grok reported that a single DUI 3–5 years ago typically results in Table A–B (roughly 25–50% surcharge), Standard at 5+ years, and Preferred possible at 7+ years with a clean MVR, and described these as among the most favorable table ratings for single-DUI cases at 3+ years [41]. Classic Choice Term offers 10-, 15-, 20-, 25-, 30-, 35-, and 40-year terms with level premiums and coverage beginning at $100,000 [45]. The Conversion Choice rider with ExtendCare may extend the conversion window and permit conversion without new medical underwriting or an exam, subject to product, state, age, and policy limitations [46]. Protective's own educational content acknowledges DUI as a rating factor and discusses how timing, multiple offenses, current driving record, and alcohol history affect underwriting [47]. .

6. Transamerica

Questions This Section Answers

  • Which life insurance carrier for a buyer with a DUI publishes the most explicit flat-extra fee schedule?
  • Is Transamerica worth it for a buyer under age 26 with a DUI in the last year?

Transamerica ranked sixth with 5 platform mentions and a best position of 2 from openai. It is the only carrier in this index whose platform-reported evidence includes a specific, age-banded flat-extra fee schedule for recent DUIs, which makes its pricing more predictable than most competitors even though its overall fit is mixed [48].

Why it ranked here. Transamerica's average listed position of 4.40 is the fourth-best in the index, and its best position of 2 is the second-best best-position among all ten entities. Its 71.4% platform share reflects that two platforms did not name it during ranking discovery.

Best suited for. Applicants with one older DUI, otherwise favorable health and driving history, and a need for conventional term coverage; applicants who want guaranteed initial level premiums for 10, 15, 20, 25, or 30 years; and applicants who may value conversion from term to permanent insurance without new underwriting, where the applicable policy and jurisdiction allow it.

Main strengths for the use case. Google reported a structured, age-banded flat-extra grid: for a single DUI less than 1 year ago, applicants under 26 are declined, applicants aged 26–35 face a $5.00 flat extra per $1,000 of coverage, and applicants aged 36 or older face a $3.50 flat extra per $1,000 [48]. For a single DUI 1–5 years ago, rates range from Standard to a $5.00 flat extra depending on age, and for a single DUI more than 5 years ago, applicants can qualify for Standard classes [48]. Trendsetter Super and Trendsetter LB offer initial level-premium periods of 10, 15, 20, 25, or 30 years, and Trendsetter Super includes a conversion option generally without new underwriting for conversion to a permanent policy at the same or lower face amount [49]. Trendsetter materials show Standard and Smoker classes and Table A–D substandard ratings, with one underwriting guide stating Table A–D add 25% to 100% over the standard rate [50].

7. Haven Life (MassMutual)

Read the full Haven Life (MassMutual) fit review for supporting evidence and buying considerations.

Haven Life ranked seventh with 3 platform mentions and an average listed position of 6.00. Its inclusion is largely historical: the brand stopped accepting new applications on January 12, 2024, and ceased issuing new policies on March 31, 2024, so it is not a purchasable option for a new buyer with a DUI [51].

Why it ranked here. Haven Life's best position of 5 came from anthropic, with sixth-place and seventh-place placements from deepseek and perplexity. Its 42.9% platform share is the lowest among the top seven.

Best suited for. Existing Haven policyholders needing servicing through MassMutual; consumers researching how the former Haven underwriting process treated driving records and no-exam applications; and existing Haven Life policyholders who need to understand their current coverage remains valid under MassMutual administration.

Main strengths for the use case. Existing Haven policies remain valid and are serviced by MassMutual, which holds an A++ financial strength rating from AM Best, the highest possible [53]. The former underwriting model expressly considered public records including driving history and DUI/DWI convictions, and Haven's own blog stated that DUI/DWI convictions can appear in underwriting via public records and that multiple convictions can signal higher-risk behavior [55]. The former product range included medically underwritten term coverage and simplified-issue no-exam term coverage [57]. MassMutual's broader portfolio includes algorithmic underwriting and MassExpress programs that can issue individual term and whole life without a physical exam or labs for eligible applicants [59].

Main limitations. Haven Life is not verified as accepting new life insurance applications in 2026 [60]. No current DUI-specific underwriting rules, eligibility thresholds, ratings, or quotes were found [60]. MassMutual's preferred underwriting guidelines require no DUI/DWI in the past 5 years and no history of drug or alcohol abuse or treatment in the last 10 years [61]. A Haven Life guaranteed-issue product was not verified in the available sources [63].

8. Pacific Life

Questions This Section Answers

  • Is Pacific Life worth it for a buyer with a DUI who wants a 10- to 30-year level-premium term policy?
  • What is Pacific Life's DUI lookback period for accelerated underwriting?

Pacific Life ranked eighth with 2 platform mentions and an average listed position of 6.50. Its fit is genuinely uncertain: it offers a relevant term product with conversion flexibility, but it publishes no DUI-specific underwriting rules, and the platforms that assessed it disagreed sharply about how restrictive its guidelines are [64].

Why it ranked here. Pacific Life's best position of 5 came from google, with an eighth-place placement from perplexity. Its 28.6% platform share reflects that only two platforms named it during ranking discovery.

Best suited for. A buyer seeking conventional term coverage with fixed premiums for 10, 15, 20, 25, or 30 years; a buyer with an older, isolated DUI, stable current driving record, and no disclosed alcohol or substance-use concerns who wants a carrier to evaluate the complete file; and a buyer who values a conversion option that does not require new underwriting during the stated conversion period.

Main strengths for the use case. PL Promise Term offers level premiums for 10, 15, 20, 25, or 30 years with a $50,000 minimum death benefit and monthly payment availability [64]. Pacific Life states that PL Promise Term may be converted, during the level-premium period and subject to the stated age limit, to an available Pacific Life universal life policy without additional underwriting approval [66]. Pacific Accelerated Life+ (PAL+) offers accelerated underwriting up to $3 million without a medical exam for eligible applicants ages 18–60 [67]. Pacific Life materials identify multiple non-tobacco and tobacco underwriting classes and state that substandard classes may be available for PL Promise Term [68]. Financial strength is reported as A+ from AM Best and AA- from S&P, with over 150 years in business and a mutual holding company structure [69]. Platform-reported pricing averages 27% below industry average at $280 versus $382 [71]. .

9. Corebridge Financial

Questions This Section Answers

  • Is Corebridge Financial worth it for a buyer with a DUI who needs guaranteed-issue whole life coverage?
  • What are Corebridge Financial's DUI lookback rules for Select-a-Term?

Corebridge Financial ranked ninth with 2 platform mentions and an average listed position of 7.00, but its best position of 4 from google is the strongest best-position among the bottom three. Its fit is split between a genuinely useful guaranteed-issue product for ages 50–80 and an underwriting path that is not documented for DUI cases [72].

Why it ranked here. Corebridge's best position of 4 came from google, with a tenth-place placement from kimi. Its 28.6% platform share reflects that only two platforms named it during ranking discovery.

Best suited for. Applicants with a single DUI that occurred several years ago, no recent violations, and otherwise insurable health; applicants seeking term coverage with a selectable duration and willing to undergo full underwriting; and applicants who can use an agent or broker to obtain a case-specific underwriting decision.

Main strengths for the use case. Guaranteed Issue Whole Life is marketed as no medical exam and no health questions, with guaranteed acceptance for applicants age 50 to 80 and coverage generally reported at $5,000 to $25,000 [72]. Accidental death is covered from day one [75]. Select-a-Term offers flexible term coverage with multiple selectable durations, including 10 years, 35 years, and every duration from 15 through 30 years [76]. A publicly available Corebridge field underwriting guide distributed by an independent insurance agency indicates that one DUI more than three years old may receive Standard treatment if there is no other related history, one DUI more than seven years old may qualify for Preferred Plus if otherwise qualified, and two or more DUIs within five years may be declined [77]. Corebridge is reported among the lowest-cost life insurance carriers, with an average annual premium of $272, approximately 29% below a reported industry average of $382 [78]. Financial strength is reported as A (Excellent) from AM Best [79]. .

10. SBLI

Questions This Section Answers

  • Is SBLI worth it for a buyer with a DUI who wants a clear rate-class ladder back to preferred pricing?
  • Does SBLI's accelerated underwriting accept applicants with a DUI within the last five years?

SBLI ranked tenth with 2 platform mentions and an average listed position of 8.00. Its fit is mixed and its evidence base is thinner than the carriers above it: it publishes a clear rate-class ladder, but its accelerated underwriting explicitly excludes recent DUI, and it does not appear in independent DUI-specialist rankings [80].

Why it ranked here. SBLI's best position of 7 came from deepseek, with a ninth-place placement from perplexity. Its 28.6% platform share reflects that only two platforms named it during ranking discovery.

Best suited for. Applicants whose DUI/DWI occurred more than five years ago; applicants with one isolated incident, no recent license suspension or revocation, and no concerning alcohol or drug-treatment history; and applicants seeking level-premium term coverage with possible accelerated underwriting when they meet SBLI's eligibility limits.

Main strengths for the use case. Google reported a clear rate-class ladder: Preferred Plus requires no more than 1 DUI with none in the last 7 years, Preferred and Select require none in 5 years, and Standard requires none in 2 years [82]. SBLI Term Life offers 10-, 15-, 20-, 25-, and 30-year terms with coverage generally from $100,000 to $5 million, accelerated underwriting for some applicants, and traditional underwriting when an application does not qualify for accelerated underwriting or exceeds applicable limits [83]. Qualified applicants may receive accelerated, no-medical-exam underwriting, with reported limits of up to $2 million for ages 18–50 and up to $1 million for ages 51–60 [83]. Policyholders may convert all or part of the term policy to permanent coverage without new medical underwriting before age 70 or the end of the term, whichever comes first [83]. Financial strength is reported as A (Excellent) from AM Best with stable outlooks, and the company has existed since 1907 as a mutual company [85]. Platform-reported pricing is 10–15% below market average with one of the lowest NAIC complaint ratios [86]. .

What the Cross-Platform Study Reveals About This Market

Questions This Section Answers

  • What does the cross-platform AI study reveal about how life insurers treat DUI history in 2026?
  • Why do AI platforms disagree so much about which carrier is best for a DUI applicant?

The single most important finding is that DUI underwriting transparency varies enormously by carrier, and that this variance — not carrier quality — drives most of the disagreement in this index. Prudential, Banner Life, Protective Life, Lincoln Financial, Transamerica, SBLI, and Corebridge all have some form of published or platform-reported DUI criteria, but only Banner Life, Protective Life, Lincoln Financial, Transamerica, and SBLI have criteria that platforms could quote from a carrier-published or carrier-distributed underwriting document [87]. Prudential, Mutual of Omaha, Pacific Life, and Corebridge have no DUI-specific rules in their own consumer materials [92].

The second finding is that the market is segmented by product type rather than by carrier ranking.

Where the AI Platforms Agreed

Questions This Section Answers

  • Which facts about life insurance after a DUI did all 7 AI platforms agree on?

Four points of agreement held across the platforms that assessed each entity.

First, a DUI is a material underwriting factor that can affect eligibility, rate class, or premium, and it is not an automatic disqualifier at most major carriers [96]. Every entity bundle in this index contains at least one claim to that effect.

Second, time since the incident is the single most important variable. Platforms consistently reported that older, isolated offenses are treated more favorably than recent or repeated ones, and that rate classes improve as the incident ages [100].

Third, multiple offenses are treated more severely than a single offense, and several carriers are reported to decline or postpone applicants with multiple DUIs within a defined window [104]. .

Where the AI Platforms Disagreed

Questions This Section Answers

  • Why do AI platforms disagree about Prudential's and Banner Life's DUI lookback periods?
  • Which carrier's DUI underwriting rules are most disputed across platforms?

Five material disagreements emerged, and buyers should treat each as unresolved.

Prudential's favorability. Anthropic, grok, and kimi rated Prudential "strong" and described it as the single best choice for DUI applicants [107]. Openai rated it "mixed" and stated that a DUI applicant "should not assume Prudential will be more favorable than competing carriers without an informal prequalification comparison" [110]. Perplexity rated it "good" but concluded that the publicly verified DUI-specific rules and pricing are "too unclear to call it a top choice over specialized impaired-risk alternatives" [111]. This is a disagreement about the strength of the evidence, not about the underlying facts.

Banner Life's lookback period. Anthropic cited a 5-year window for standard or preferred rates and a 4-year FlashTerm exclusion [112]. Grok cited a 24-month minimum [114]. Google cited a 2-year automatic decline [115].

How Buyers Should Choose

Questions This Section Answers

  • What should a buyer check before choosing a life insurance carrier for a DUI history?
  • Should a buyer with a DUI use an independent broker instead of applying directly to one carrier?

Start with the incident timeline, because it determines which carriers are even worth contacting. A single DUI within 12 months points toward Prudential and Transamerica, both of which have platform-reported or published structures for recent offenses [116]. A single DUI 24–36 months old points toward Banner Life and Protective Life [118]. A single DUI more than 5 years old opens the full market, including SBLI, Pacific Life, and Lincoln Financial [120]. A recent or multiple DUI with no fully underwritten path points toward Mutual of Omaha and Corebridge Financial guaranteed-issue products for eligible ages [123].

Second, match the product to the need. Term coverage is the right product for income replacement, and the relevant carriers are the fully underwritten ones.

Methodology

This index was produced from a single standardized prompt sent once to each of 7 AI platforms: openai, anthropic, deepseek, grok, perplexity, kimi, and google. The prompt asked which life insurance carriers are generally worth considering for applicants with a DUI history, and why, given that underwriting may consider how long ago the incident occurred, whether there were multiple offenses, current driving record, alcohol or substance-use history, treatment where applicable, and other risk factors.

The research date is 2026-09-22. Platform-reported research dates are provenance metadata and do not independently prove freshness.

Entities were included if they were named by at least two platforms during ranking discovery. Twenty-one unique entities were named; 10 qualified. The final ranking table is the sole authority for rank, platform mentions, platform share, average listed position, and best listed position. The order is based on platform mentions, then average listed rank, then best listed rank.

Platform mentions count only ranking-discovery mentions. They are not the number of platforms that later completed a fit assessment, and they are not a quality score.

Methodology Limitations

Several limitations materially affect how this index should be used.

First, the study used one standardized prompt sent once to each included platform. AI answers can vary by date, wording, location, account state, model, interface, browsing configuration, and the sources retrieved. A different prompt or a different day could produce a different ranking.

Second, platform-reported research dates differ from the authoritative run date. Deepseek reported 2026-02-14 for Banner Life, 2026-01-15 for Mutual of Omaha, 2026-05-20 for Lincoln Financial, 2026-06-01 for Transamerica and Haven Life, 2026-04-28 for Pacific Life, and 2026-01-15 for Corebridge Financial and SBLI. These dates are provenance metadata and do not independently prove freshness.

Third, platform recommendations are market intelligence, not independent customer reviews or proof of quality. A carrier's appearance in this index reflects how often AI platforms named it, not how well it pays claims or how satisfied its policyholders are.

Fourth, several carriers publish no DUI-specific underwriting rules at all, and the platforms that assessed those carriers relied on independent broker commentary, agency-hosted underwriting guides, or general industry practice.

Final Verdict

Prudential is the consensus leader for life insurance after a DUI in this 7-platform study, named by all 7 platforms and ranked first by four of them, with platform-reported willingness to consider a single DUI as early as 12 months post-conviction and no flat extra charges [125]. Banner Life is the strongest alternative for older, isolated offenses and competitive term pricing, and it is the only other carrier named by all 7 platforms [127]. Mutual of Omaha is the leading fallback for guaranteed-issue and final-expense coverage for ages 45–85 [129]. Protective Life is the best fit for a single DUI 3+ years old with a clean record, based on platform-reported Table A–B ratings [130]. Transamerica publishes the most explicit age-and-timing flat-extra grid [131].

The decisive caveat is that the most favorable claims about Prudential, Banner Life, and Protective Life come from independent broker commentary and agency-hosted underwriting guides rather than from carrier-published consumer materials, and the platforms disagreed materially about the exact lookback periods.

Frequently Asked Questions

Can I get life insurance after a DUI?

Yes, at most major carriers, but the terms depend heavily on how long ago the incident occurred, whether there were multiple offenses, your current driving record, and your alcohol or substance-use history. A single older DUI with a clean subsequent record is insurable at standard or near-standard rates at several carriers in this index. A recent or repeated DUI may require guaranteed-issue or simplified-issue coverage.

How long after a DUI can I get standard life insurance rates?

Platform-reported thresholds vary by carrier. Prudential is reported to consider a single DUI as early as 12 months post-conviction [1]. Banner Life is reported at 24 months by one platform and 4–5 years by others [2]. Protective Life is reported at 36 months by one platform and 5 years by others [4]. SBLI is reported to offer Standard after 2 years, Preferred after 5, and Preferred Plus after 7 [6]. Transamerica is reported to offer Standard after 5 years [7]. .

From the index

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Consolidated Sources

Company-Owned Sources

Independent Sources

Other Sources

Platform-by-platform recommendations

Numbers show recorded recommendation position. A dash means no qualifying recommendation was recorded in a usable response. Unusable responses are not negative votes.

Qualified entities in this research snapshot
PlatformPrudentialBanner LifeMutual of OmahaLincoln FinancialProtective LifeTransamericaHaven Life (MassMutual)Pacific LifeCorebridge FinancialSBLI
ChatGPT#1#3#4#5—#2————
Claude#4#1#2#8#3#6#5———
DeepSeek#2#3#1—#4—#6——#7
Grok#1#2#6#4#3#5————
Perplexity#1#2#6#5#3#4#7#8—#9
Kimi#1#2#4#8#3#5——#10—
Gemini#1#2—#6———#5#4—

Verify this research

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Study date
September 22, 2026
Platforms analyzed
7
Candidates reviewed
21
Qualified finalists
10

Behind the findings

Platforms in this study

  • ChatGPT
  • Claude
  • DeepSeek
  • Grok
  • Perplexity
  • Kimi
  • Gemini

Source records

366 total · 186 independent · 166 company-owned · 14 unclear

Evidence support

241 direct · 64 partial

Keep in mind

Exactly 7 platforms were included in this run: openai, anthropic, deepseek, grok, perplexity, kimi, google. The configured source value 7 is provenance only and must never be described as the number of platforms studied.

Technical verification details

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5784f17e73481f32cf46a8aa56ee6efa6f665c77503a542c692aea4e428b5097