Often yes. Many insurers ask about recent felonies and pending charges, so the longer ago it was, the better your chances.
Applications ask about crime. One sample application on file with the SEC asks if you were convicted of a felony in the last 10 years, or if you have charges pending now.
Insurers may also check records. The NAIC notes that life insurers and data vendors work to find applicants with criminal convictions.
Some states limit what insurers can use. New York says criminal history means convictions or pending cases, not arrests that did not lead to a conviction.
New York also bars insurers from using sealed or expunged cannabis convictions. You may answer as if those convictions did not happen.
Be honest. False answers can lead to a lower payout or a cancelled policy. If one insurer says no, another may say yes.
- Know your dates: conviction, release, end of probation
- Ask if your record was sealed or expunged
- Answer every question truthfully
- Compare more than one company
More questions
Will I be turned down if I am on probation?
It depends on the company. Rules differ, so ask an agent to shop more than one insurer for you.
Do arrests without a conviction count?
In New York they should not. Other states may differ. Ask your state insurance department.
Is there coverage with no questions?
Some small policies ask few questions. They cost more for the coverage you get.
