Everything you need to make an informed decision about your life insurance is here. Try our no-pressure, no-obligation service today.





The best life insurance companies in the business are available here







Based on your individual life insurance needs. We use accelerated underwriting and e-applications to speed you through the underwriting process. We show you how to buy life insurance online so you get the best companies, policies, and rates available!
We provide detailed life insurance company reviews to help you determine the best life insurer.
If you need general life insurance information related to companies, our 2022 Life Insurance Statistics Guide provides
industry insight about American consumers.

It's important to work with someone who understands medical conditions - if you have a history of high-risk health issues. Have you been through the application process in the past? Only to end up table rated or declined for life insurance?
We know what a frustrating experience that is.
The benefit of our service is that you know upfront
what to expect.
We get you preliminary underwriting feedback in a few days.
You'll know what to expect in terms of underwriting and price before you apply.
You can apply to the best company (or a few if needed) to get approved as expected.
We're going to make sure we help you find affordable high-risk life insurance.
Life insurance underwriting makes or breaks the deal for you. As independent agents, we work for you, not the insurance company. Compare that to a captive agent who represents just one company. At RiskQuoter, our goal is to get you approved at a great rate. You'll also receive rating and financial strength information for the companies we quote for you.
Our life insurance underwriting process reviews to make sure your life insurance quotes are accurate:
Your medical history
Family history
Non-medical risks - scuba, pilots, etc.
Life insurance needs


That's me Michael Horbal. I'm the founder and owner of RiskQuoter.
I hate the fact that many people pay too much for life insurance because they end up with the wrong life insurance company, agent or both. That's why I started RiskQuoter.
We're here to help you get the best life insurance rates available.
There's never any pressure or obligation with my life insurance service. Get the information you need to make an informed decision for yourself.

RiskQuoter offers all types of life insurance, including:
Term Life Insurance
Universal Life
Index Universal Life
Whole Life
Guaranteed Acceptance Coverage
No Exam Policies
Accidental Death
We match you with the best type of life insurance based on what you are looking to accomplish.
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Kind words from happy customers who have a lot to say about our service!
Find out how much your life insurance should cost you.