Buying Life Insurance
Buying life insurance does not have to be complicated.
In fact, we make it easy for you to get the best rates possible
based on your individual life insurance needs.
We use accelerated underwriting and e-applications to speed you
through the underwriting process.
We show you how to buy life insurance online so you get the best
companies, policies, and rates available!
Life Insurance Companies
The best life insurance companies in the business are available here, whether you need term life insurance, universal, or whole life insurance.
We provide detailed life insurance company reviews to help you determine the best life insurer for you.
If you need general life insurance information related to companies, our 2022 Life Insurance Statistics Guide provides industry insight about American consumers.
High-Risk Life Insurance
It’s important to work with someone who understands medical conditions
If you have a history of high-risk health issues,
Have you been through the application process in the past?
Only to end up table rated or declined for life insurance?
We know what a frustrating experience that is.
The benefit of our service is that you know upfront what to expect.
We get you preliminary underwriting feedback in a few days.
You’ll know what to expect in terms of underwriting and price before you apply.
You can apply to the best company (or a few if needed) to get approved as expected.
We’re going to make sure we help you find affordable high-risk life insurance.
Life Insurance Underwriting
Life insurance underwriting makes or breaks the deal for you.
As independent agents, we work for you, not the insurance company.
Compare that to a captive agent who represents just one company.
Our life insurance underwriting process reviews:
- Your medical history
- Family history
- Non-medical risks – scuba, pilots, etc.
- Life insurance needs
We use the above information to make sure your
life insurance quotes are accurate.
At RiskQuoter, our goal is to get you approved at a great rate.
You’ll also receive rating and financial strength information for
the companies we quote for you.
Testimonials
Kind words from happy customers who have a lot to say about our service!
“Michael was very professional and followed up when necessary. He also found the best rates and coverage available.”
Daniel P
“Michael was very honest with me, done just what he said he would do. I was very happy with his service.”
Bud N
“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 a great help in finding affordable insurance & guiding me through the process!”
Joel G
“You made me feel very special and that my policy was important. Thanks, Michael”
LaShawn W
“After applying for life insurance with at least a half dozen insurance companies, RiskQuoter was the only agency to produce a policy. I highly recommend them!!”
Roger C
Types of Life Insurance
RiskQuoter offers all types of life insurance, including:
- Term Life Insurance
- Universal Life
- Index Universal Life
- Whole Life
- Guaranteed Acceptance Coverage
- No Exam Policies
- Accidental Death
We match you with the best type of life insurance
based on what you are looking to accomplish.
There is never any pressure or obligation with our life insurance service.
Life Insurance Questions You May Have
People often ask us
Recent Articles
Life Insurance for Seniors (The Complete Guide)
How do you choose the right senior life insurance policy for yourself or your parents? Whether you’re a senior who needs life insurance or you’re…
Continue Reading Life Insurance for Seniors (The Complete Guide)
Marijuana Life Insurance (No Need to Lie to Get the Best Rates)
Life insurance for marijuana users is available whether you are a medicinal or recreational user.
Continue Reading Marijuana Life Insurance (No Need to Lie to Get the Best Rates)
Life Insurance for Heart Patients
Life insurance for heart patients is available for most cardiac conditions. We help you get the best life insurance rates based on your heart history.
Medical Information Bureau – What Do They Know About You?
If you’ve applied for life insurance, you may have heard about the Medical Information Bureau (MIB), but have no idea what role the MIB plays…
Continue Reading Medical Information Bureau – What Do They Know About You?
Get an Instant Life Insurance Quote
Find out how much your life insurance should cost you.