Life Insurance for Everyone From Perfect Health to Pre-Existing Conditions

insurance companies we work with

Why Choose RiskQuoter?

We’re really good with high-risk life insurance underwriting. We understand how your unique health history affects your rates and match you with the best companies.

  • Ease of Use: Our streamlined process saves you time and effort.
  • Great Selection: Access a wide range of life insurance companies and products.
  • Transparent Information: Clear, honest details so you can make an informed decision.

How The RiskQuoter Service Works

It starts with you. When you click that orange “Request Life Insurance Quotes” button, we’ll guide you through a series of underwriting questions.

We ask you these questions to ensure you receive accurate quotes. For some people, we can give you accurate quotes right away. In other cases, we’ll contact the insurance companies for underwriting feedback before we quote you.

You’ll know exactly what is going on every step of the way!

Life Insurance Overview

In this section, you’ll find details about all types of life insurance and other coverage, including:

  • Term Life Insurance
  • Universal Life Insurance
  • Whole Life Insurance
  • Life Insurance Riders
  • Long-Term Care Insurance
  • Disability Insurance
  • Accidental Death
  • Group Life

Our independent agency works for you, not the insurance company. We’ll work with you to match you with the best companies, products, and underwriting based on your unique needs.

Insurance Planning

You’ll find everything you need to get the best policy, including:

  • Life Insurance Basics – Great information if you’re new to life insurance
  • Determining Your Needs – Our guides help you determine the right amount of coverage.
  • Choosing Your Beneficiary – Learn about the factors you should consider.
  • Settlement Options – You can choose how your beneficiaries receive the death benefit.
  • Business Life Insurance – We explain the types of coverage available to meet your needs.
  • Estate Planning – Whether you need a survivorship policy or help with pension maximization, we can help.
  • Foreign National Life Insurance – We offer solutions for almost everyone.

Steps in the Life Insurance Process

1. – Enter some basic information.

2. – Receive your personalized quotes based on your unique information.

3. – Choose your coverage and complete the online application.

4. – Get approved and enjoy peace of mind knowing you’re covered.

apply for life insurance

What to Expect With Life Insurance Underwriting

We explain the process to you so there are no surprises:

  • Underwriting – Will you be eligible for accelerated underwriting, instant approvals, etc.
  • Paramed Exams – What to expect and how to pass with flying colors.
  • Medical Information Bureau – What do they know about you, and how does it affect your application?
  • Family History – Find the companies that don’t penalize you for your family’s medical history.
  • Life Insurance Weight Charts – We guide you to the right life insurer based on your build.
  • Tobacco, Nicotine, Marijuana – We offer non-smoker life insurance rates for all.

We specialize in high-risk life insurance underwriting for many conditions, including:

Whatever your medical history and life insurance needs, we’ll ensure you get the right policy.

We Find Your Best Fit

We search far and wide for the perfect policy for your unique needs.

We’re not tied to one company. We work with 40+ life insurers, so you get the best!

We understand that everyone’s situation is different. We take the time to listen and match you with the perfect policy.

We Do The Work

We pre-screen you for eligibility. We assess your individual situation and match you with insurers most likely to approve your application.

We compare quotes from multiple insurers. We do the legwork to find the best rates and coverage, so you don’t have to spend hours researching on your own.

We make applying for coverage easy. Our online application process is simple and easy.

We’ve Got Your Back

We’ll fight for the best offer. We negotiate with insurers to get you the most favorable rates, saving you money.

We’ll explain everything in plain English, breaking down complex insurance terms and jargon to ensure you fully understand your policy and its benefits.

We’ll be there every step of the way. From your initial review to policy approval, we’re here to help.

Our Promise: Quality and Peace of Mind

We reduce anxiety by simplifying the complex and ensuring you get the best coverage for your needs.

  • Save Time, Reduce Effort: We take the hard work out of finding the right policy.
  • Provide Quality: We partner with top-rated life insurers to offer only the best!

RiskQuoter Testimonials

Read what some of our satisfied clients say about their experiences with us.

“Michael helped me locate a great deal on life insurance after being turned down by State Farm for medical history”

Paul P.

“Excellent customer service from Michael, made easy and efficient, which many people find difficult to do via telephone and email. Your efforts are very much appreciated”

Ed R.

“Mike was able to get a great deal for me with previous cancer history, after being turned down by multiple insurers. 5 Stars should be 10 Stars in my book…”

John H.

“Your services and assistance in obtaining my life insurance policy has been outstanding in every aspect.”

Philip B.

Get Started with Your Free Insurance Review Today

Get Started Now and See What You Qualify For

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