Michael Horbal

That's me, Michael Horbal. I am the owner and founder of RiskQuoter.com. I hate that many people pay too much for life insurance because they end up with the wrong life insurance company, agent, or both. That's why I started RiskQuoter. We're here to help you get the best life insurance rates available.

Augustar Life Insurance

Augustar Life

AuguStar Life Insurance Review – Should You Consider This Company? Review of Augustar In July of 2023, Constellation Insurance, Inc. announced the rebranding of its Ohio National life insurance business as AuguStar Life. According to the company, the AuguStar name signifies: “The organization’s commitment to

western reserve life insurance

Western Reserve Life Insurance Company

Western Reserve Life Insurance Company Review Western Reserve Life Insurance Company merged with Transamerica Premier Life Insurance Company (TPLIC) on October 1, 2014. Transamerica Premier Life was previously known as Monumental Life Insurance Company. As a result of this merger, policyholders are now managed by

paramedical exam

The Only Paramedical Exam Resource You Will Ever Need

The paramedical exam is an important part of getting life insurance, including checks of height, weight, blood pressure, and potentially taking blood and urine samples. To pass the exam, you should prepare by knowing your medical history, controlling your diet, and avoiding exercise and tobacco before the test.

transamerica life insurance company review


Transamerica Life Insurance Company Review Ratings AM Best – “A”  Moody’s – “A1”  S&P Global – “A+”  History of Transamerica In 1904, Amadeo P. Giannini started Transamerica to help make financial services available to everyone. You probably know Transamerica from its distinctive pyramid building in

go fund yourself life insurance

Go “F” Yourself Life Insurance

Go “Fund” Yourself Life Insurance In recognition of the RiskQuoter newly created “Life Insurance Ignorance Month,” this article is for men and women who refuse to protect their families with enough life insurance. I had an epiphany recently when I received a GoFundMe request to

John Hancock life insurance review

John Hancock

In his John Hancock Life Insurance review, Michael Horbal examines the firm’s products, underwriting, and financial stability. He highlights their exceptional underwriting for high-risk health conditions and notes John Hancock’s uniqueness in offering non-tobacco rates for cigar, pipe, or tobacco chewers.

GEICO Life Insurance

Geico Life Insurance

Although known for auto insurance, Geico doesn’t sell life insurance policies. Any life insurance links on Geico’s portal redirect users to a third-party agency, with Geico bearing no responsibility for policies purchased this way. Essentially, Geico isn’t in the life insurance business.

group vs term life

Group Life

Group term life insurance offers benefits like easy enrollment but ties coverage to employment. In contrast, individual term life insurance ensures low-price life insurance and stable coverage regardless of employment, with added flexibility and potential for more comprehensive coverage.

lupus life insurance

Life Insurance with Lupus

Getting life insurance with lupus can be tough, but it’s possible. Some insurance companies have special plans for lupus patients. They look at what type of lupus you were diagnosed with, how often you get flare-ups, and your overall health. RiskQuoter is here to help you navigate this process.

5 million life insurance

5 million dollar life insurance policy

When considering a $5 million life insurance policy, potential buyers must account for costs, qualifications, the underwriting process, the company’s financial stability, and available policy types. That’s where RiskQuoter can help you.

protective life insurance company review

Protective Life Insurance Company

Our 2023 review shows that Protective Life Insurance is a solid, reliable company. They have a variety of products like term, universal, and whole life insurance. Plus, you can tweak these plans with extra features to make them fit your needs. RiskQuoter is here to help you navigate through it all.

asthma life insurance

Asthma Life Insurance

In his latest guide, Michael Horbal explains how asthma influences life insurance rates, with insurers seeing asthmatics as high-risk. The severity of asthma, other health conditions, and lifestyle habits impact underwriting and rates. That’s where RiskQuoter can help you.

state farm life insurance review

State Farm Life Insurance

State Farm is a popular insurance company in the US known for home and auto insurance. They also offer life insurance, but there are better options available. Their products include term, universal, survivorship, joint, and whole life insurance, but other companies offer more competitive rates than State Farm.

cash value term life insurance

Cash Value Term Life Insurance

You can now find term life insurance policies that offer cash values, paid-up insurance, and extended-term options. Kansas City Life Insurance Company introduced Longevity Term 85, which provides a guaranteed cash surrender value if you cancel the policy. You also have the opportunity to choose paid-up insurance or extended-term insurance using the cash value.

40 year term life insurance

Should You Buy 40-Year Term Life Insurance? Here’s What You Need to Know.

If you’re considering a 40-year term life insurance policy, there are some important things to know. Recently, companies like Banner Life, Protective Life, and Kansas City Life started offering these policies. They come with advantages, like coverage until retirement or for specific financial needs, but disadvantages, such as higher costs.

term life insurance

Term Life Insurance – What You Need to Know Before You Buy!

Term life insurance is an affordable way to protect your family’s financial future if something happens to you. It’s straightforward and flexible, offering a death benefit without complicated features. Compare quotes to find the best policy for your needs and budget.

instant life insurance

Instant Life Insurance

Looking for life insurance right away? Instant Life Insurance is quick and doesn’t need a exam. You can get coverage from $100,000 to $2.5 million, but not everyone qualifies and it may not cover certain health conditions.

wellabe life insurance


Wellabe – Our Insurance Company Review A new name for American Enterprise Group American Enterprise Group rebranded its six insurance company subsidiaries in June 2023 to Wellabe. Wellabe specializes in Preneed Funeral and Final Expense life insurance policies. This article covers the final expense product.

survivorship life insurance

Survivorship Life Insurance

Are you planning for the future? Survivorship Life Insurance might help. It’s an insurance plan for two people that only pays out when the second person dies. Second to die policies can help manage estate taxes or business transitions. Plus, it’s typically cheaper than getting two separate policies, even when someone has health issues.

pension maximization life insurance

Pension Maximization

Pension maximization is a strategy using life insurance to increase your pension benefits. It involves opting for the maximum pension and purchasing a life insurance policy to cover the benefits that would cease upon your death. However, it’s crucial to consider factors like health, life expectancy, and type of insurance before implementing this strategy.

foreign nationals life insurance

Foreign Nationals

Getting life insurance in the U.S. as a non-citizen is tricky. It depends on seven things like your link to the U.S., whether you are married to a U.S. citizen, your home country, what type of permission you have to be in the U.S., how often you’re here, where else you go, what job you have, and what your money situation is like. RiskQuoter is here to help you.

afib life insurance

Atrial Fibrillation

Atrial fibrillation (Afib) diagnosis can impact your life insurance rates, but affordable coverage is within reach with expert underwriting. The severity of your Afib, treatment and overall health play a role in determining policy cost. At RiskQuoter, we help navigate the complex process and connect you with companies specializing in high-risk conditions, ensuring you secure the most competitive rates based on your needs.

stroke life insurance

Life Insurance Stroke Victims

Getting life insurance after a stroke might seem tough, but we can make it easier. We use our deep understanding of how strokes impact insurance to help you find a good deal. We connect you with insurance companies that understand stroke situations, give personalized quotes, and support you in choosing the right plan without any pressure.

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