Can someone on probation buy life insurance?

UPDATED: Feb 12, 2021

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Asked June 12, 2018 by Elizabeth Nunes

1 Answer


Life insurance is a type of policy that gives your stated beneficiary or beneficiaries a tax-free cash payment if you pass away while your policy is in effect. Millions of people in the United States have this type of coverage.

Can someone on probation buy life insurance? The answer in most situations is no. Underwriters at insurance companies assess many different factors when they grant an individual a life insurance policy. One of the biggest factors is the risk involved. If you are more likely to return to jail then obviously, the insurance premium payments would likely go unpaid.

People who have a criminal record often lead dangerous lives. If a policyholder is on probation, then any small thing such as failing a drug test could send them back to jail for months or even years due to a probation violation.

Some high-risk insurance companies take on people who are on probation if they have been on probation for longer than a year. However, the insurance premiums for these policies are extremely high. It is a good idea to exceed the waiting period to try and get lower premium rates. Life insurance coverage is worth the wait because, in today's economy, many people struggle financially after the loss of a loved one.

Answered June 13, 2018 by doclee

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