How will my single lifestyle affect policy underwriting?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Many singles live riskier lifestyles since they are not responsible for the health and well being of a spouse and children — and that could affect an underwriting decision. For instance, as a single person you may take vacations or business trips to more dangerous locations which could result in your life insurance application being declined. Or, you may take part in activities like bungee jumping or deep sea diving that are dangerous and could affect your ability to get a life insurance policy. You could also end up with a rated policy premium, where you have a higher premium because of your riskier lifestyle.

Another factor considered by underwriters when determining whether or not to issue your life insurance policy is moral turpitude. Moral turpitude describes your everyday conduct. If you use drugs or consume a lot of alcohol on a regular basis, then you moral turpitude could be questioned and the situation could result in a high premium or your application could be denied (this could be the case whether you’re single or married).

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