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We specialize in helping you find the best life insurance companies and rates, no matter what your medical history or circumstances are.

When it comes to high risk life insurance (for those with health conditions, dangerous jobs or adventurous hobbies), we've helped thousands of people since 1998.

Whether you're looking to protect your family, business or estate, we can help you with your insurance planning needs.

With RiskQuoter, our service is pressure free. You’ll receive underwriting guidance and quotes from the best companies based on your unique situation.

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High Risk Health Conditions

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Life insurance after cancer

Can You Get Life Insurance After Cancer?

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Getting Life Insurance With Heart Conditions

Life insurance is available to most people who have heart conditions. If you have a heart problem and need life insurance, it’s important that you … [Read More...]

Can I Get Life Insurance with GI Problems?

If you have GI problems and need life insurance, this guide will help you find life insurance based on your medical history. This life insurance … [Read More...]

Prostate Cancer Life Insurance

Prostate Cancer…

If you've had a radical prostatectomy, radiation treatment, other prostate cancer treatments, or are currently in active surveillance or watch and … [Read More...]

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Ulcerative Colitis…

If you have ulcerative colitis, this guide [updated for 2018] will help you find affordable life insurance. Quick Reference Guide to this … [Read More...]

Diabetes Life Insurance


Affordable life insurance for diabetics is available from a number of life insurers that understand and specialize in type 1 diabetes, type 2 diabetes … [Read More...]

Client Testimonials & Reviews

  • 5
    Your service was outstanding, you kept us in the loop throughout the entire process.  You made shopping for life insurance a breeze.  Thank you so much!Lisa B.
  • 5
    Michael Horbal was professional, straight forward and asked questions to determine the best coverage for what I needed.  He was easy to get a hold of, answered all my questions and got me a great policy within my budget.  Thanks!
  • 5
    Mike was a great help in finding affordable insurance and guiding me through the process!
  • 5
    Michael did a fabulous job helping me through this process.  He made it easy and was very supportive when I had questions, etc.  I would recommend him in a heart beat to my family and friends.
  • 5
    Very professional + thorough.
  • 5
    Job well done!!  Will definitely recommend!
  • 5
    Michael Horbal provided exceptional customer service and assistance in securing a comprehensive life insurance policy to meet the needs of me and my family.
  • 5
    I highly recommend working with Michael.  He was incredibly patient with me throughout the process, and I felt I had an advocate in him.
  • 4
    Excellent service.  Mike provided me with great options and explained pros and cons of all the available choices.  Thanks!
  • 4
    Service was excellent!  My advisor customized best options based on information I provided, and responded to all my emails within an hour.  Very prompt and very helpful and courteous.