What is RiskQuoter?

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Life insurance companies hold all the cards when it comes to getting insured…if they don’t want to insure you, they’ll kick you to the curb or charge you an outrageous rate.

If you don’t know better, you may think that there are no other options.

Meet RiskQuoter – We have something to tell you.

What is RiskQuoter?

RiskQuoter is a digital life insurance service that helps people with perfect health as well as those who have high-risk health conditions, dangerous occupations, adventurous hobbies like scuba diving, flying planes or jumping from them, etc.

We use our expertise in life insurance underwriting, our carrier relationships, and years of experience to do one thing:

Get you the best life insurance rate in the market.

It’s as simple (and complicated) as that.

We take our responsibility seriously and will do whatever we can to make sure you end up with the best life insurance company based on your unique life insurance needs and situation.

What RiskQuoter Does

We’re an independent life insurance service, owned by Michael Horbal.

RiskQuoter provides you with information to get you started.

Things like:

As not every product in the market works with online quote engines, additional products are available to you on a case-by-case basis.

Speaking of life insurance companies, we have 40+ companies available for you.

How RiskQuoter Does Business

First off, there is never any pressure or obligation with our service.

You get the information you need to make an informed decision, and we hope you choose us.

But if not, that’s okay – simply tell us to close your file at any time.

Here’s what happens when you request instant life insurance quotes on the website:

  1. You’ll get instant life insurance quotes right then and there.
  2. An auto-email will let you know we received your request.
  3. Your phone will ring as we’ll call you. (we can also do everything via email, text)
  4. We’ll ask you questions in order to accurately qualify you.
  5. Your quotes will be updated if necessary.
  6. We’ll explain the types of coverage available.
  7. We’re going to ask you if you would like to apply.
  8. You’ll go through the application process
  9. You’ll receive underwriting updates throughout.
  10. We’ll send you the life insurance policy when approved.

Again, there’s never any pressure – you can change your mind at any time.

There’s also no cost to you – EVER.

Get a Quote Now to See How it Works ->

We want to earn your trust to help you protect your family, business, or estate.

RiskQuoter History

Officially, the RiskQuoter brand started in 2018.

In reality, this has been an evolution since 1998, building on experiences to provide you with a great service.

We wanted to provide an independent life insurance service that provides you with:

  • Independence – We work for you, not the insurance company.
  • Choice – Get the best companies here.
  • Expertise – We understand the market and how to get you approved.
  • Easy – Our digital process means no more paper applications or policies.
  • Fast – No more waiting forever to get approved.

Check out the Who is Michael Horbal bio for the full history and licensing information.

See what they’re saying.

Our happy customers have a lot to say about our service!

“Easy to work with and got an outstanding rate where other agents have failed!!”

Barry C.

“Michael Horbal was professional, straightforward, and asked questions to determine what was the best coverage for what I needed.”

Michael V

“Great communication – works to help clients. Great rates.”

John S.

“Very professional and thorough.”

Stanley B

“After I had been previously turned down for term life insurance I was happy to find someone who could find me a policy for a reasonable price.”

Paul F.

“Michael Horbal has made the purchase of life insurance a pleasant and easy experience for me and my family.”

Richard C

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Conclusion

Thank you for taking the time to visit RiskQuoter.

We would love to help you with your life insurance needs and look forward to hearing from you.

RiskQuoter Insurance Services

8374 Market Street, #521

Lakewood Ranch, Florida 34202

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Michael Horbal

I'm the founder of RiskQuoter, an independent life insurance agency that specializes in life insurance underwriting, helping people with perfect health, medical conditions, dangerous jobs, adventurous hobbies, and more.
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