Life Insurance for Healthy and High-Risk Applicants
Find affordable life insurance – even if you have health conditions or have been declined before.
Why RiskQuoter?
At RiskQuoter, we help you get life insurance, even if you’ve been declined, rated up, or left confused by other companies.
- 20+ years of underwriting and brokerage experience
- 150+ in-depth guides across health conditions, companies, and products.
- Backed by carrier underwriting guides and expertise, not guesswork.
- Transparent, fast, and tailored to your situation.
High-Risk Life Insurance Guides
Life insurance is still possible if you’ve had health issues. Our high-risk guides break down what insurers look for, how to qualify, and which companies to consider.
Popular guides:
Browse all high-risk conditions
Compare Life Insurance Companies
Not all insurers treat high-risk applicants the same. Our reviews go beyond surface-level marketing to show you how each company underwrites and prices policies.
Top Reviews:
Explore all company reviews
Life Insurance 101: Understand Your Options
If you’re just starting your search, these guides explain how life insurance works and help you avoid common mistakes.
Helpful posts:
- Life Insurance 101
- Term Life Insurance
- Universal Life Insurance
- Whole Life Insurance
- Final Expense Life Insurance
- Business Life Insurance
- Long-Term Care Insurance
Read more from the blog
Want to learn more about who you’ll work with? Meet Mike Horbal
Frequently Asked Questions
Yes. Some companies specialize in approving applicants with health conditions or those who have been previously denied.
It depends. Many applicants with controlled conditions pay only 10–25% more than standard rates.
Some policies are approved instantly. Others may take 4 – 6 weeks, depending on underwriting requirements.
No sales pressure. No fluff. Just underwriting expertise and personalized quotes.
See more frequently asked questions
Our Promise
RiskQuoter helps individuals with all types of health profiles obtain life insurance—whether you’ve been declined, rated, or simply want the best deal. We guide you every step of the way.