Life Insurance That Fits Your Needs
From perfect health to complex medical conditions, we help you find affordable life insurance without sales pressure, confusion, or wasted time.
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:
- Life Insurance 101
- Term Life Insurance
- Universal Life Insurance
- Whole Life Insurance
- Final Expense Life Insurance
- Business Life Insurance
Read more from the blog
Want to learn more about who you’ll work with? Meet Mike Horbal
Recently Updated
Final Expense Life Insurance – What to Know Before You Buy
How to Beat Life Insurance Table Ratings and Save Big on Coverage
Flat Extras – How to Beat This Costly Life Insurance Expense
Denied Life Insurance? Here’s What to Do Next
Heart Conditions and Life Insurance: Your Guide to Getting Covered
Life Insurance for Cancer Patients & Survivors: How to Get Affordable Coverage
Our posts are regularly updated to reflect changes in underwriting, new product releases, and consumer feedback.
Frequently Asked Questions
Yes. Some companies specialize in approving applicants with health conditions or those who have been previously denied.
It depends. Many applicants with controlled conditions pay only 10–25% more than standard rates.
Some policies are approved instantly. Others may take 4 – 6 weeks, depending on underwriting requirements.
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.