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Affordable Life Insurance

At, our specialty is life insurance underwriting.  Whether you have perfect health, a medical condition, need help with your personal, business or estate planning, we can help you get the life insurance you need at the best rates available.

We work for you, not the life insurance company.  Our no pressure, no obligation life insurance service matches you with the best companies, including all of the following and many more.

life insurance companies

Health Issues We Specialize In:

We have the high risk life insurance expertise to help you with all types of medical conditions, including:

And much more.
Non-medical underwriting for:

Check out our life insurance underwriting guide for more topics and our latest update for prostate cancer survivors.

RiskQuoter Service Overview:

There is never any pressure or obligation with our service. Find out how much life insurance should cost you.
  • Expertise with Underwriting
  • 22+ Years with High Risk Conditions
  • Independent Agency - We Work for You, not the insurance company
  • Term Life Insurance
  • Universal Life Insurance
  • Whole Life Insurance
  • Accidental Death Benefit Coverage
  • Let us show you what we can do to help you.

Why Independent Life Insurance Agents Matter

The benefit of working with an independent life insurance agent is that we match you with the best life insurance companies based on your individual needs.  Compare that to captive agents who represent one company…who are they looking out for?


Whether you have perfect health, a medical condition, non-medical issue, risky occupation, or any other unique underwriting concern, we’ll get you to the best life insurance company.

Underwriting Expertise

Our life insurance underwriting process reviews your medical and non-medical risk factors to ensure that you get matched with the companies that will give you the best offer based on your history.

Price Comparisons

We’ll show you the best life insurance quotes for term life insurance, universal life insurance, whole life insurance and more. We’ll explain why these companies are the best for your situation.