Voya Life Insurance Underwriting Considerations for Driving History

Life Insurance Carrier

Many factors are taken into consideration by life insurance carriers when determining your final rate class. Your motor vehicle or driving history is one such factor. Why would the insurance carrier care about your driving history? That’s a good question. Dangerous driving could lead to accidents which could ultimately lead to your untimely passing.

As of today, if you want to be potentially considered for Voya's best life insurance rate class, you should have no DWI/DUI or Reckless Driving charges in the past five years. Moving violations and other traffic infractions may also be taken into consideration.

At Pivot we realize that the amount of information required by a carrier’s underwriters can be overwhelming. We are here to help you navigate the rate class determination by making this process as easy as possible for you. When you have questions or just need clarification, the PivotCare team is always at your disposal. Please do not hesitate to contact us for further details.

The information above regarding life insurance policy underwriting guidelines is subject to change.