Life Insurance That Fits Your Needs

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Why RiskQuoter?

At RiskQuoter, we help you get life insurance, even if you’ve been declined, rated up, or left confused by other companies.

  • 20+ years of underwriting and brokerage experience
  • 150+ in-depth guides across health conditions, companies, and products.
  • Backed by carrier underwriting guides and expertise, not guesswork.
  • Transparent, fast, and tailored to your situation.

High-Risk Life Insurance Guides

Life insurance is still possible if you’ve had health issues. Our high-risk guides break down what insurers look for, how to qualify, and which companies to consider.

Popular guides:

Browse all high-risk conditions

Compare Life Insurance Companies

Not all insurers treat high-risk applicants the same. Our reviews go beyond surface-level marketing to show you how each company underwrites and prices policies.

Top Reviews:

Explore all company reviews

Life Insurance 101: Understand Your Options

If you’re just starting your search, these guides explain how life insurance works and help you avoid common mistakes.

Helpful posts:

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How It Works

1. Submit a quote request online.

2. We match your health profile with the right companies.

3. You compare your offers—no pressure, no sales games.

4. Apply only when you’re ready

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Want to learn more about who you’ll work with? Meet Mike Horbal

Recently Updated

Our posts are regularly updated to reflect changes in underwriting, new product releases, and consumer feedback.

Frequently Asked Questions

Can I get life insurance if I’ve been denied before?

Yes. Some companies specialize in approving applicants with health conditions or those who have been previously denied.

Will my premiums be significantly higher if I have a health issue?

It depends. Many applicants with controlled conditions pay only 10–25% more than standard rates.

How long does it take to get approved?

Some policies are approved instantly. Others may take 4 – 6 weeks, depending on underwriting requirements.

What makes RiskQuoter different?

No sales pressure. No fluff. Just underwriting expertise and personalized quotes.

See more frequently asked questions

Our Promise

RiskQuoter helps individuals with all types of health profiles obtain life insurance—whether you’ve been declined, rated, or simply want the best deal. We guide you every step of the way.

RiskQuoter Testimonials

Read what some of our satisfied clients say about their experiences with us.

“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.

“Your services and assistance in obtaining my life insurance policy has been outstanding in every aspect.”

Philip B.

Get Started with Your Free Insurance Review Today

Get Started Now and See What You Qualify For

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