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.

western reserve life insurance

Western Reserve Life Insurance Company Review

Western Reserve Life Insurance Company merged with Transamerica Premier Life Insurance Company (TPLIC) on October 1, 2014. Transamerica Premier Life was previously known as Monumental […]

long term care insurance

Is Long-Term Care Insurance Worth It?

Long-term care costs can be staggering. Explore if long-term care insurance (LTCI) is the right solution to protect your assets and ensure quality care in the future.

CNA Long Term Care Insurance Review

CNA Long-Term Care Insurance

People sought after CNA long-term care insurance policies because the policies offered many benefits, the pricing and underwriting were competitive, and the agent commissions were

top 10 health problems

Top 10 Health Problems in America

Explore the top ten health problems in America. Learn how these conditions impact life insurance rates and discover coverage options tailored to your health needs.

replacing life insurance in new york

Replacing Life Insurance in New York

Learn the steps to replace life insurance in New York, including required forms and disclosures, ensuring you make informed decisions and follow state regulations.

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