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.

Lincoln National Life Insurance Company review

Lincoln Financial Life Insurance Review

Lincoln National is among the most competitive companies for $500,000 or greater coverage amounts. We cover the following in our review of the best life […]

metabolic syndrome life insurance

Metabolic Syndrome Life Insurance

We can help you get a great life insurance rate if you’ve been diagnosed with Metabolic Syndrome Metabolic Syndrome Overview If you have metabolic syndrome and need

pipe smokers life insurance

Pipe Smokers Life Insurance

If you are a pipe smoker, non-smoker rates are available.   Pipe Smokers Overview It is possible to obtain a non-tobacco rate if you know

cigarette smokers life insurance

Cigarette Smokers Life Insurance

We have great rates, including programs offering non-smoker life insurance rates! Smokers Life Insurance – How Underwriting Works You must understand how life insurance companies

cervical cancer life insurance

Cervical Cancer Life Insurance

Life insurance is now possible for cervical cancer survivors. We’ll help you find affordable coverage from companies specializing in high-risk life insurance. Life insurance underwriters

bladder cancer life insurance

Bladder Cancer Life Insurance

We help bladder cancer survivors find affordable coverage from life insurers specializing in high risk. How Does Bladder Cancer Affect Life Insurance? Most bladder cancers

ADDISON'S DISEASE

Addison’s Disease Life Insurance

If you have Addison’s Disease and need life insurance, let us help you. Our life insurance expertise with endocrine diseases will help you find affordable

throat cancer life insurance

Life Insurance for Throat Cancer Survivors

We specialize in high-risk life insurance underwriting for throat cancer survivors.  While head and neck cancers are complicated to underwrite, we’ll help you find your best

top 10 health problems

Top 10 Health Problems in America

The Top 10 Health Problems in America from a life insurance underwriting standpoint! Find out how your health issures affect what you pay for life insurance.

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