We find you affordable life insurance whether you have a medical condition, dangerous occupation, or participate in risky avocations.
With RiskQuoter, our expertise in life insurance underwriting ensures that you get the best rates available.
This High-Risk Life Insurance Guide Covers:
- Cancer History
- Diabetes and Endocrine Disorders
- Heart Conditions
- HIV Positive
- Gastrointestinal
- Mental Health
- Prostate Disorders
- Respiratory
- Brain Disorders
- Non – Medical Risks
Don’t let your health problems stop you from finding affordable life insurance.
We work with the best life insurance companies and will match you with the best life insurers based on your health problems.
The following are just a few of the many topics covered in this article.
How does cancer affect life insurance?
Each person’s cancer history is uniquely different.
We found that the best way to help people was to put together the following comprehensive article.
Life Insurance for Cancer Patients and Survivors
We cover many types of cancer, including:
- Bladder Cancer
- Breast Cancer
- Cervical Cancer
- Colon Cancer
- Kidney Cancer
- Prostate Cancer
- Skin Cancer
- Throat Cancer
- Thyroid Cancer
The above article provides details by the type of cancer, cancer stage, treatment received, and time since treatment.
With high-risk life conditions, it’s important to have exact medical details to receive accurate life insurance quotes.
Diabetes and Endocrine Disorders
Endocrine disorders require expertise to help you find your best life insurance rate, and that’s exactly what we do:
Endocrine Disorders Life Insurance
You’ll find individual articles on the following:
- Addison’s Disease
- Diabetes
- Metabolic Syndrome
- Proteinuria
- Thyroid Conditions
The above details everything you need to know in order to get affordable life insurance rates.
Life Insurance with Heart Conditions
Heart conditions require someone with expertise who know what questions to ask you in order to help.
The following heart guide details everything:
Getting Life Insurance with Heart Conditions
The following are the most common heart issues we see, and all have their own detailed information in the above article.
- Abdominal Aortic Aneurysm
- Abnormal EKG
- Angina
- Angioplasty
- Atrial Fibrillation
- Bundle Branch Block
- Bypass Surgery
- Coronary Artery Disease – CAD
- Heart Attack
- High Blood Pressure
- Mitral Valve Prolapse
- Murmur
- Pacemaker
- Stenosis
When you read the above article, you’ll see that we show you what to expect by the type of heart issue involved.
HIV Positive Life Insurance
The following life insurance article gives you everything you need to know.
The above article details HIV underwriting by the company and provides sample rates from those companies.
Gastrointestinal and Internal Organs
The following article details how Inflammatory bowel diseases (IBD) affect your life insurance underwriting.
Can I Get Life Insurance with GI Problems?
In the above article, you’ll also find detailed guides for the following:
- Crohn’s Disease
- Ulcerative Colitis
- Hepatitis
- Elevated Liver Enzymes
The above GI article details underwriting examples, questions to expect and the best companies for your condition.
Mental Health
One of the most important things you can do is follow your doctor’s orders when you have a mental health issue.
The above article contains detailed life insurance information for the following types of mental health issues:
- Anxiety
- Bipolar Disorder
Check back often as we continually update the above mental health article.
Prostate Disorders
We have some great companies that specialize in prostate disorders.
Prostate Disorders Life Insurance
In the above article, we cover many prostate disorders, including:
- BPH
- Prostatitis
- PSA
- High-Grade PIN
- Low-Grade PIN
Underwriters want to know about your PSA history and biopsy results when determining your life insurance rate.
Respiratory
The following article provides detailed information about the type of respiratory problem you have.
Respiratory Diseases Life Insurance
- Asthma Life Insurance
- Sleep Apnea Life Insurance
When you review the above article, you’ll find everything needed to get your best life insurance rate.
Brain and Nervous System
The following article covers many nervous system conditions in great detail.
Brain and Nervous System Life Insurance
Specifically, you’ll find that we cover the following in great detail in order to help you find your best rate.
- Epilepsy
- Mini-strokes, TIA
Check back often as we continually update this information.
Other Medical Conditions
A number of medical conditions do not fit traditional underwriting categories.
For those conditions, you’ll find detailed guides in our underwriting BLOG.
Conditions such as:
- Alcohol Treatment History
- Naloxone Life Insurance
- Truvada Life Insurance
Check back often for new articles.
Tobacco and Nicotine Users
Everything you need to know including how to qualify for non-tobacco rates when available.
Life Insurance for Tobacco Use
We provide detailed information, including which companies are best for the following:
- Chewing Tobacco
- Cigar Smokers
- Cigarette Smokers
- Pipe Smokers
Whatever type of tobacco or nicotine products you use, you get the best advice from the above article.
Non – Medical Risks
Certain activities that you participate in may be considered high-risk from an underwriting standpoint.
Activities such as:
- Private Aviation
- Scuba Diving
- Mountain Climbing
- Motorized Racing
You’ll find additional information in our Avocation Underwriting section.
No matter what type of avocation you participate in, we have life insurance options available for you.
Get Your Best High-Risk Life Insurance Rate
With high-risk life insurance, it’s all about the underwriting.
We wrote the following comprehensive guide to help you find affordable life insurance
Underwriting topics reviewed in the above article include:
- What to do when you’ve been denied life insurance?
- How family history may affect your life insurance rates.
- What are table ratings, and how do they work.
- How flat extras work.
The biggest mistake made is going to the wrong company.
It’s the number one reason for a miserable experience, terrible rate or even a letter of decline.
High-Risk Life Insurance Policies
When ratings are added to your policy, it makes sense to look at different types of life insurance to best meet your needs.
That’s where the following guide will help.
What Type of Life Insurance Should I Get?
In the above guide, you’ll find lots of great ideas for insurance planning, including detailed articles about:
- Term Life Insurance
- Universal Life Insurance
- Whole Life Insurance
- Accidental Death Insurance
- Guaranteed Issue Life Insurance
- Staggered Life Insurance (laddered life insurance)
This guide provides information about products, term lengths available as well as the benefits and features of each type.
High-Risk Life Insurance Companies
No single life insurance company is best for every health issue, and many insurers want nothing to do with health conditions.
Life insurers have strengths and weaknesses depending on the type of health issue involved, occupation, or activity.
For example, some companies are very good with diabetes, while others specialize in prostate cancer underwriting.
Risk-Free Shopping – You’ll receive the life insurance quotes you need to make an informed decision.
We’ll tell you everything you need to know, including…
Which life insurance company is best for you and why they are best for you.
We provide you with accurate quotes from all companies.
Keep in mind that with our service, there is never any pressure or obligation.
At any time should you change your mind, simply tell us to close your file.
If you would rather discuss your request, please call us at Toll-Free 800-909-2040