Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 30, 2022

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Facts You Should Know

  • Felons may face a few challenges when they want to buy life insurance
  • No exam life insurance and burial insurance are easier to get approved
  • Specific felonies will disqualify you from a life insurance policy

Getting life insurance for felons is challenging. Felons have lower life expectancies, according to statistics across the nation.

So how are felons supposed to get term life insurance quotes? Read through this article to learn how to buy life insurance for felons and what felonies disqualify felons from life insurance.

You can find affordable life insurance for felons right now. Enter your ZIP code in our free comparison tool above to compare the top companies near you.

Why do life insurance providers care about criminal records?

Criminal records correlate to lifestyles. Therefore, criminal charges within two to three years of each other indicate that a person is still living a high-risk criminal lifestyle.

What is a felon? A felon is anyone who committed a felony.

While misdemeanors are minor crimes, felonies are serious crimes that affect society. Those who have felonies or misdemeanors within two years of getting a policy are risky to insure.

Life insurance companies can refuse your life insurance request altogether if you have felonies. Here’s a list of charges that affects your life insurance eligibility:

  • child molestation
  • conspiracy to commit crimes listed above
  • drug trafficking
  • human trafficking
  • kidnapping
  • rape
  • murder

Most life insurance companies advocate against these felonies. DUI-related crimes involving property and drug-related crimes (drug use) may not affect your life insurance. Every company looks at felonies differently.

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How much are life insurance rates for felons?

Life insurance rates depend on age, gender, health, and lifestyle. Some providers won’t provide traditional life insurance to felons. So how can you buy life insurance for felons?

A felon may not get life insurance independently, but a family member or friend could get no medical exam or burial insurance for a felon.

But what’s the average rate per month? Burial life insurance is between $50 and $100 per month. Without burial life insurance, you’ll have to pay burial insurance out-of-pocket.

2020 Average Burial Costs
How much does the average burial cost?Average Cost
Professional Services:
Basic Funeral Services$2,195
Other Preparations$255
Facilities & Staff Sevices:
Use of Facilities/Staff for Viewing$425
Use of Facilities/Staff for Funeral Ceremony$500
Transportation Services:
Transfer of Remains$350
Metal Burial Casket$2,500
Burial Vault/Liner$1,495
Miscellaneous Expenses:
Printed materials (Basic Memorial Package)$175
The national average burial cost in 2019 can range from $7,000 to $10,000Source
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Life insurance helps you cover burial costs, which is lower than the standard $100,000 policy limit.

What about no medical exam life insurance costs? You could pay $26 to $329 per month for no medical exam insurance.

Why should I get burial insurance and no medical exam insurance?

These life insurance policies are easier to buy for felons but lack the capabilities of customized term life insurance and whole life insurance. Also, you won’t have to take a medical exam for them.

If a felon has parole or probation lifted, they could get guaranteed issue life insurance. However, the life insurance company will still want to know about your criminal history.

What can you not do if you are a convicted felon?

According to the Cochran Firm, felons lose the right to bear arms, vote, travel abroad, run for office, and participate in benefit programs. These are only a few rights a felon loses after conviction.

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Life Insurance for Felons: What’s the bottom line?

Although it’s unlikely for felons to get traditional life insurance, there are still options out there for them. Felons should ask a family member or someone they trust to take life insurance if they can’t get a policy independently.

Now that you know more about life insurance for felons, use our free comparison tool below to compare multiple companies in your local area.