How Much Should Your Life Insurance Cost?
Try our no-pressure, no-obligation service today!


COMPARE LIFE INSURANCE COMPANIES AND SAVE!
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.

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

HOW MUCH LIFE INSURANCE DO YOU NEED?
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.
HIGH-RISK LIFE INSURANCE EXPERTISE

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
- Private Pilots
- Scuba Divers
- Cigar Smokers
If you’ve been declined for life insurance, we can help you.
We’re you approved with a table rating or 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:
- Cigar Smoker Life Insurance
- Marijuana Users
- Chewing Tobacco
- Cigarette Smokers
- Pipe Tobacco
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.
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.
Frequently Viewed Topics
We have answers to your most pressing questions
By Michael Horbal – Updated on 10/13/2022