Life Insurance for Every Health Profile, From Perfect to
Pre-Existing
Healthy? High-risk? Denied elsewhere? We’ve got you.
Get started today with a no-obligation life insurance quote to see your best options.
Why Choose RiskQuoter?
We’re really good with high-risk life insurance underwriting. We understand how your unique health history affects your rates and match you with the best companies.
- Ease of Use: Our streamlined process saves you time and effort.
- Great Selection: Access a wide range of life insurance companies and products.
- Transparent Information: Clear, honest details so you can make an informed decision.
How The RiskQuoter Service Works
It starts with you. When you click that orange “Request Life Insurance Quotes” button, we’ll guide you through a series of underwriting questions.
We ask you these questions to ensure you receive accurate quotes. For some people, we can give you accurate quotes right away. In other cases, we’ll contact the insurance companies for underwriting feedback before we quote you.
You’ll know exactly what is going on every step of the way!
Life Insurance Overview
In this section, you’ll find details about all types of life insurance and other coverage, including:
- Term Life Insurance
- Universal Life Insurance
- Whole Life Insurance
- Life Insurance Riders
- Long-Term Care Insurance
- Disability Insurance
- Accidental Death
- Group Life
Our independent agency works for you, not the insurance company. We’ll work with you to match you with the best companies, products, and underwriting based on your unique needs.
Life Insurance Planning
You’ll find everything you need to get the best policy, including:
- Life Insurance Basics – Great information if you’re new to life insurance
- Determining Your Needs – Our guides help you determine the right amount of coverage.
- Choosing Your Beneficiary – Learn about the factors you should consider.
- Settlement Options – You can choose how your beneficiaries receive the death benefit.
- Business Life Insurance – We explain the types of coverage available to meet your needs.
- Estate Planning – Whether you need a survivorship policy or help with pension maximization, we can help.
- Foreign National Life Insurance – We offer solutions for almost everyone.
What to Expect With Life Insurance Underwriting
We explain the process to you so there are no surprises:
- Underwriting – Will you be eligible for accelerated underwriting, instant approvals, etc?
- Paramed Exams – What to expect and how to pass with flying colors.
- Medical Information Bureau – What do they know about you, and how does it affect your application?
- Family History – Find the companies that don’t penalize you for your family’s medical history.
- Life Insurance Weight Charts – We guide you to the right life insurer based on your build.
- Tobacco, Nicotine, Marijuana – We offer non-smoker life insurance rates for all.
Expertise with Health Conditions
No matter what your medical history is, we’ll help you find the best options available.
Check out our guide on high-risk life insurance
You’ll find detailed guides about all types of medical conditions, including:
- Cancer Survivors and Patients
- Heart Conditions
- Gastrointestinal Conditions
- Endocrine Conditions
- Brain Related
- Other Medical Conditions
Whatever your medical history and life insurance needs, we’ll ensure you get the right policy.
Our Promise: Quality and Peace of Mind
We reduce anxiety by simplifying the complex and ensuring you get the best coverage for your needs.
- Save Time, Reduce Effort: We take the hard work out of finding the right policy.
- Provide Quality: We partner with top-rated life insurers to offer only the best!