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.

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 […]

CareMatters II Review – Everything You Need to Know About This Policy!

Is CareMatters II right for you? Get an in-depth review of this hybrid LTC insurance policy, including benefits, costs, and more.

Asset Care & Annuity Care: OneAmerica’s Hybrid LTC Solutions Explained

Explore OneAmerica’s innovative hybrid long-term care solutions that protect your assets and provide future care benefits.

CareScout Long-Term Care Insurance Review

CareScout doesn’t offer LTC yet, but here’s what to expect if they do. Our review gives you the inside track.

Understanding Disability Insurance: Protecting Your Income

Learn why disability insurance is crucial to protect your income. Find out how to choose the best policy, coverage options, and tips for affordable rates.

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.