Criminal records and life insurance: Is it possible?

Life insurance is an essential component of many families’ financial security. With the correct policy, you may ensure that funds are accessible to care for your loved ones in case something unexpected should happen.

This is a frequently asked question. The solution is not straightforward, but the easiest response is “probably.” If you have a criminal background, it may be difficult to obtain insurance. However, whether you have spent or an ‘unspent’ conviction makes a big difference.

If you’re wondering whether or not life insurance companies check criminal records, or what happens if they do, let’s talk about it more so you can receive the answers you need. Below, We’ll look at how life insurance companies view criminal records.

Can you get Life Insurance with Criminal Record?

Yes, contrary to what many life insurance firms and agents will claim, individuals found guilty of a crime can frequently qualify for a typical term or whole life insurance policy. The difficulty is that these organizations often do not want to invest the time necessary to assist you in finding coverage.

The best part is that many persons with a criminal background may be able to apply for a Premium no medical exam life insurance policy! But, the difficulty is most life insurance companies will not treat all crimes and criminals in the same way. Before they will consider you qualified for regular coverage, most life insurance companies will want to see that you have kept a relatively clean record for a year or two. This is the case. Individuals with a “prior criminal record” with the law should exercise caution when selecting life insurance firms to apply with until they fully grasp how their previous “encounters” with the law will be perceived.

This specifies that your past is important because insurance providers have varying rules and eligibility criteria. Repeat offenses and more serious offenses might both contribute to application denial. Certain sorts of criminality, such as insurance fraud, are more likely to result in denial than others.

What is considered high risk for Life Insurance?

If you have a dangerous career or participate in risky hobbies such as skydiving, or smoking, have poor health, or have underlying health concerns, you may be considered a high-risk applicant by life insurance providers.

Life insurance companies often ask you to pass a medical exam that examines critical health markers such as height, weight, blood pressure, nicotine usage, alcohol consumption, prescriptions, family medical history, and current medical issues to establish your underwriting risks. If you are deemed high-risk, the insurance company may refuse to insure you. Even if you are able to obtain a policy, you may be required to pay higher premiums or undergo a waiting period before you are completely protected.

Your “Health Implications” and “Lifestyle” are the two most important variables that influence your eligibility for life insurance.

Criminal records and life insurance: Is it possible? Health Implications

Life insurance companies want to know about your own medical history, as well as any illnesses in your family history that may make you a high-risk applicant. You are deemed high-risk if you have any of the following conditions:

  • Cancer,
  • Stroke,
  • Heart attack,
  • Dementia.

Other health issues may not immediately qualify you as a high-risk applicant.

  1. Lifestyle

Your lifestyle is another important element in determining your life insurance risk. Even if you have no medical difficulties or a family history of illness, you may be labeled high-risk due to factors such as your work, lifestyle, and hobbies:

  • Occupation,
  • Nicotine Consumption,
  • Hobbies like scuba diving, skydiving, and motorcycle racing,
  • Alcohol consumption.

What is considered a Criminal Record in the UK?

According to BMA Report, A criminal record is a list of offenses for which a person has been found guilty in a magistrates’ or Crown Court. All convictions, cautions, disciplinary measures, and final warnings are considered criminal offenses. This includes minor infractions such as:

  • Sentences served, cautions issued, and any ongoing investigations,
  • Any conviction, caution, or investigation for a criminal offense.

Road traffic offenses (speeding, parking penalties) unless handled with by a ‘fixed penalty notice,’ since such proceedings do not constitute a criminal conviction. Any of the other UK health regulatory organizations, as well as a primary care organization, may conduct investigations or make decisions. If you are unsure whether you have a criminal conviction, please seek assistance from the BMA, your human resources department, or the Medical Defence Body.


We appreciate that you are applying for life insurance, it might be scary, especially if you are from criminal background. But It’s very Important. Go On!!!

Note – It is critical that your agent not only has experience working with individuals who have been diagnosed with a wide range of pre-existing medical issues but also has access to dozens of different life insurance companies in order to help a more “difficult” situation.

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