Life Insurance Underwriting for High-Risk Conditions

high risk life insurance

High-risk life insurance underwriting is the process used to assess risk and determine eligibility for coverage, and at what rate.

While some individuals qualify easily, others may face challenges with certain life insurance companies or specific types of life insurance.

If you have a medical condition, a dangerous job, or engage in risky hobbies, you may run into some roadblocks. But that doesn't mean life insurance is out of reach.

This guide explains how underwriting works and provides tips on how to improve your chances of approval, even if you've been denied in the past.

What is High-Risk Life Insurance?

If you've ever received a table rating or had flat extra charges added to your policy, you're not alone. These are common in high-risk underwriting, but they may not always be justified.

We help clients with:

  • Pre-existing medical conditions
  • Past insurance denials
  • High-risk hobbies or occupations

We'll show you how to find better rates even with complex medical histories.

Common High-Risk Medical Conditions

We've written guides for almost every condition under the sun. Here are some of the most common:

Cancer History

Heart Conditions

Gastrointestinal

Endocrine & Metabolic

Neurological Conditions

Other Medical Conditions

The best life insurance company depends on your medical history and current health.

How Underwriting Works

Each company has its own rules, but most follow these four approaches:

Accelerated Underwriting

No medical exam required. Data like prescription history, financial checks, and digital records replace lab work.

Medical Underwriting

A full paramedical exam, lab tests, and medical record reviews help determine your eligibility.

Non-Medical Underwriting

Companies consider your driving record, occupation, and lifestyle risks, such as scuba diving or flying planes.

Field Underwriting

Handled by your life insurance agent. We'll ask the right questions to find the best company for your situation.

Learn More About Specific Underwriting Topics

Explore our detailed guides.

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