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companies we work with

First Hand Experience

Specializing in life insurance underwriting since 1998

Experience with 30,000+ applications

Contracted with the best life insurers in the market.

Licensed in 50 states plus D.C.

Perfect health to high-risk health conditions experience.

Personal, Business & Estate

Private Pilots, Scuba Divers

Digital applications, accelerated and instant decision policy experience.

All Original Content

All content is original and 100% written by me, Michael J. Horbal.

I’m the founder and owner of RiskQuoter.

I started RiskQuoter to help people like you, no matter the underwriting risk.

I wrote every article on RiskQuoter.

When I write content, I research the topic thoroughly and include my experience working with clients to ensure you get great, helpful original content.

Quality Information

We use original source materials to ensure the accuracy and quality of information, including:

Life Insurance company product manuals and reference materials

Official underwriting guidelines

High-risk medical underwriting guides and reinsurance manuals.

Marketing materials from insurance companies

Illustrations and market-leading quoting software to provide accurate price comparisons.

life insurance companies


We use accelerated underwriting and e-applications to speed you through the underwriting process using the best life insurance companies.

Many companies no longer require a paramed exam.


We’ll help you find the best life insurance policy to meet your needs.

life insurance types available
life insurance proceeds


Whether your life insurance is for family protection, business planning, or taking care of your estate needs, we can help you plan your life insurance needs.


If you need high-risk life insurance, our experience will ensure you get affordable life insurance.

High-Risk Examples

  • Heart Conditions
  • Cancer History
  • Diabetes
  • HIV Positive
  • Gastrointestinal
  • Asthma – Respiratory
  • Brain – Nervous System

Niche Areas

life insurance underwriting folder

If you’ve been declined for life insurance, we can help you.

Were you approved with a table rating or a flat extra added to your policy? Our expertise with life insurance underwriting will help you find the best rate available.

And while tobacco and nicotine products are not high-risk, they require underwriting expertise to help you get non-tobacco rates whenever available.

We specialize in underwriting for:

No matter what you use, we can help.

Kind words from customers

See what some of our 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.

“You made me feel very special and that my policy was important. Thanks, Michael”

LaShawn W.

Business Owner Life Insurance

If you need life insurance for your business to cover SBA loan requirements of Key Person coverage, we have a great selection of policies to meet your exact needs—everything from term life insurance, universal life, survivorship life insurance, and more.

Get Instant Life Insurance Quotes or
Customized Life Insurance Quotes

It’s Your Choice! 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.

By Michael Horbal – Updated on 03/22/2023

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