Michael Horbal

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

long term care insurance

Is Long-Term Care Insurance Worth It?

Long-term care costs can be staggering. Explore if long-term care insurance (LTCI) is the right solution to protect your assets and ensure quality care in the future.

HIV life insurance

HIV Life Insurance – Everything You Should Know

Living with HIV? Get the life insurance coverage you need. We’ll compare top companies and find you the best rates. Learn what insurers look for and how to qualify, even with an existing diagnosis. Get your free, no-obligation quote today.

family history life insurance

Don’t Let Family History Ruin Your Life Insurance Rate!

Don’t let your family’s health history ruin your life insurance rates! This guide will help you understand how it affects your premiums and find the best company for your situation. We’ll explain what conditions are important and how to get the most affordable policy.

sleep apnea life insurance

Sleep Apnea Life Insurance – Great Rates are Available!

Don’t let sleep apnea stop you from getting affordable life insurance. Many companies offer competitive rates, especially if your condition is well-managed. We can help you understand your options and find the best coverage for your specific situation. Get a free quote today!

group vs term life

Group vs. Individual Term Life Insurance Policies – A Complete Guide

Group life insurance is often provided by employers, while individual policies offer more flexibility and control. Group plans are often cheaper initially but may lack portability if you leave your job. Individual term insurance provides customizable coverage and isn’t tied to your employment. Consider your needs before choosing!

Universal Life Insurance: Everything You Need to Know

Universal life insurance can be a flexible solution, but it’s crucial to understand the details. This type of policy offers lifetime coverage and potential cash value, but pitfalls exist. Get the facts before you commit.

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