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 Quotes

Your information is safe with us. We use a secure, encrypted system to receive your information.

Field Underwriting

When you submit your request, we review your health history and ask clarifying questions to provide you with accurate quotes.

Life Insurance Types & Quotes

We discuss the types of life insurance, riders, and options available so you can make an informed decision.

Application & Underwriting

When you’re ready to apply, our digital application process speeds you through the underwriting process.

Underwriting Decision

You’ll receive an underwriting decision. If you like the offer, you can accept it. If you don’t like the offer or get declined, we can pivot to a new company.

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.

Request Quotes

Field Underwriting Topics

Personal Health History
Tobacco/Nicotine Use
High-Risk Health
Family History
Financial Underwriting
Avocations
- Private Aviation
- Scuba Diving

Popular High-Risk Life Insurance Articles

Life Insurance for Heart Patients
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Can Diabetics Get Life Insurance?
Yes, and we show you how.

Skin Cancer Life Insurance
Great rates for basal cell and melanoma history.

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Epilepsy Life Insurance
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Breast Cancer Life Insurance
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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.

Term Life Insurance

Universal Life

Index Universal Life

Whole Life

Survivorship Life

Guaranteed Issue

Accidental Death

No Exam Policies

Contingent Coverage

Pension Maximization

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

Banner Life Insurance
Company Review

Protective Life Insurance
Company Review

John Hancock Life Insurance Company Review

Corebridge Life Insurance Company Review

Kind words from customers

See what some of our RiskQuoter clients had to say

“Michael was very professional and followed up when necessary. He also found the best rates and coverage available.” – Daniel P.

“I highly recommend working with Michael. He was incredibly patient with me throughout the process & I felt I had an advocate in him.” – Alex F.

“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?

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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.