Affordable Life Insurance Made Easy
RiskQuoter offers underwriting expertise, highly rated life insurance companies, and the best-priced life insurance to get you covered!


Request Life Insurance Quotes
There’s no obligation with our life insurance service. We use a secure, encrypted submission process to receive your information. When submitting your request, you can answer as many or as few questions as you like.

Field Underwriting
Field underwriting is the process of gathering facts about you to help us provide you with accurate life insurance quotes.
We do this on the front end to give you a realistic expectation of what you will pay for your life insurance!
After all, what good is a life insurance quote if you are never going to qualify for that rate?
If you have a high-risk health condition now or in the past, field underwriting reviews the details of your medical history.
Remember that we are here to help you get the best life insurance rates you can qualify for.
Field Underwriting Topics
- Personal Health History
- Tobacco/Nicotine Use
- High-Risk Health
- Family History
- Financial Underwriting
- Avocations
Popular High-Risk Life Insurance Articles
Life Insurance for Heart Patients
Everything you need is here!
Prostate Cancer Life Insurance
How to get your best rate.
Ulcerative Colitis Life Insurance
How to get approved.
Can Diabetics Get Life Insurance?
Yes, and we show you how.
Skin Cancer Life Insurance
Great rates for basal cell and melanoma history.
Life Insurance for Stroke Victims
Affordable coverage is here.
Epilepsy Life Insurance
We have companies for you.
Breast Cancer Life Insurance
Everything you need to know.
While tobacco and nicotine products are not high-risk, they require underwriting expertise to help you get non-tobacco rates.
Cigar Smokers Life Insurance
Non-tobacco rates always available.
Marijuana Life Insurance
How to get approved.
Chewing Tobacco Life Insurance
Get non-tobacco life rates
Cigarette Smokers Life Insurance
The best smoker rates around.

Types of Life Insurance & Quotes
We show you the options available and provide quotes for the type of life insurance you want.
We’ll help you find the best life insurance policy to meet your needs. That’s the RiskQuoter promise.
HIGHLY-RATED LIFE INSURANCE COMPANIES
The best life insurance companies are available, including:

Life Insurance Company Review Articles
Our life insurance company reviews provide details about the financial strength and ratings, product information, underwriting guidelines, carrier niches, rate information, and more!
Recent life insurance company reviews
Kind words from customers
See what some of our RiskQuoter clients had to say
“Michael helped me locate a great deal on life insurance after being turned down by State Farm for medical history” – Paul P.
“Excellent customer service from Michael, made easy and efficient, which many people find difficult to do via telephone and email. Your efforts are very much appreciated” – Ed R.
“Mike was able to get a great deal for me with previous cancer history, after being turned down by multiple insurers. 5 Stars should be 10 Stars in my book…” – John H.

APPLICATION & UNDERWRITING

At RiskQuoter, we use accelerated underwriting and e-applications to speed you through the underwriting process using the best life insurance companies.
As you work through underwriting, we’ll keep you updated throughout the application process.

Underwriting Decision
We’ll let you know when the life insurance company makes an underwriting decision.
Underwriting decisions include:
- Approved as Applied – You get the offer you wanted and can go ahead and accept your policy.
- Approved Other Than Applied – The company approves your application at a different rate than you applied for. Your offer may include a table rating or a flat extra.
- Postponed – Companies may postpone your application when they need additional information.
- Declined – Sometimes, life insurance companies decline your application due to your medical history.
Once we have a decision for you, we’ll discuss the options available so you can make an informed decision about your life insurance.
Frequently Viewed Life Insurance Topics
$5 Million Life Insurance Policy
What to consider before you buy.
40-Year Term Life Insurance
Should You Buy it?
Foreign National Life Insurance
Everything You Need to Know
Private Pilot Life Insurance
Get the best rates here!
HOW MUCH LIFE INSURANCE DO YOU NEED?
Whether your life insurance is for family protection, business planning, or taking care of your estate needs, RiskQuoter can help you plan your life insurance needs.

Business Owner Life Insurance
Suppose you need life insurance for your business to cover SBA loan requirements of Key Person coverage. In that case, RiskQuoter has a great selection of policies to meet your needs—everything from term life insurance to universal life, survivorship life insurance, and more.
Get Customized Life Insurance Quotes
You can go from quote to application to underwriting quickly with our service.
Are you a business owner?
We have many coverage options to help you with your Key Person and SBA loan requirements.
Frequently Viewed Life Insurance Topics
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Group Life
5 million dollar life insurance policy
Cash Value Term Life Insurance
Should You Buy 40-Year Term Life Insurance? Here’s What You Need to Know.
Term Life Insurance – What You Need to Know Before You Buy!
Instant Life Insurance
Survivorship Life Insurance
Pension Maximization
Foreign Nationals
Million Dollar Life Insurance Policy
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