Jeff is a well-known speaker and expert in life insurance and financial planning. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading finance websites. He is a licensed life insurance agent and has helped over 3000 people secure life insurance. He is licensed in all 50 states & DC. Jeff has spoken at top insurance conferen...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Apr 8, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Affordable life insurance options are always available when it comes to life insurance coverage, even for high risk candidates, so don’t give up!

If you are looking for life insurance quotes and some sort of medical condition or dangerous hobby/avocation that is making it hard for you to find affordable rates, then do some homework and consider every option possible.

Keep in mind that:

  • No two insurance companies will look at your health issues or problems in the same way.  Even if you’ve been declined for coverage with one company, doesn’t mean you can’t qualify for coverage with another company.
  • Each life insurance company and agent operates under the same industry-shared and specialized data, statistics, and guidelines before underwriting insurance coverage.  The key is to work with an agency that has experience with your risk and paint it in the most favorable light to an underwriter.
  • There are guaranteed issue plans and other types of policies that you can qualify for.

Since each risk is different, please view our specialized articles.  Some medical conditions are common, some are not. Some allow first-day coverage, some do not.

Free Life Insurance Comparison

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If your health condition or avocation doesn’t exist, email [email protected] with your specific health condition, and we’ll have an expert do a write-up on it and email it to you.

Allow Us To Do The Work For You

We specialize in finding the right high-risk life insurance underwriters for you and your needs. No matter if you have been rejected or informed that you are uninsurable. It is our vocational specialty to find affordable premiums and adequate coverage for people who fall into the high-risk category of life insurance. One prime example of clients we can help, is those who have been convicted of a DUI.  

Depending upon the particulars of your case, health, and lifestyle, we may be able to even prequalify you for high risk life insurance coverage.

This is our business, but as professionals, we believe that everyone should be accommodated when trying to find life insurance, even people designated as high-risk life insurance candidates.

The benefits of working with us:

  • We take as much worry out of the process as possible because we cover all the bases for you. An anonymous pre-qualification letter will be processed on your behalf and forwarded with your application info to all of our affiliate high-risk life insurance specialists and companies.
  • We have great connections, and we know how the system works. Life insurance companies and agents will issue tentative premium offers or reject applicants within a half-week window. It takes about that time for most offers to come through.
  • If you agree with the terms, your pre-qualification status is then officially mandated in writing. As long as your medical status, physical or test results match your application, you will definitely receive the rate originally offered.
  • We are unique in that most companies don’t put the same time commitment or dedication in fighting for their qualified applicants. But we can only fight for you if you are completely up-front with us about your health and personal circumstances. Untrue, exaggerated or misleading applications are always rejected or canceled.

Always remember that high risk does not always equal, “uninsurable.” Take a look on this page at the list of medical conditions as well as high risk professions and hobbies that we excel at finding affordable coverage for. From arthritis to cigar smokers to stroke victims, we will do our best to find the coverage that is affordable and works for you. We do more than just find coverage for you.

We want you to know how your health status and way of life can dictate what type of coverage is available to you. We will need to know which kind of medications you take for your health, those prescriptions will impact your premiums. 

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Thoughts To Remember

You should keep in mind that absolutely all life insurance agents utilize the same lists and tables of published rates. It makes absolutely no difference whether you consult a broker like us or visit a life insurance company office on your own. It all comes down to the veracity of your health report and how it is processed with your application. As long as the status of your health is officially verifiable, then high risk life insurance specialists, like us, can help you find affordable rates.

And we can help you save serious amounts of money in the long term. We know which life insurance companies are more likely than not to take a chance on insuring high-risk life insurance applicants. We have developed professional relationships with many such companies. We also know how to portray high-risk life insurance applicants in the best light possible to companies and agents.

It takes a lot of dedication, skill, and professional talent to accommodate the needs of high-risk life insurance applicants. Unlike a lot of other places, helping high-risk applicants is just standard operating procedure for us. Remember what differentiates a high risk life insurance policy from that of a general one. Because of the medical condition, high-risk profession, hobby or recreational sport, a life insurance company can designate an applicant as being a higher risk of physically expiring sooner than later.

This, of course, would trigger a policy payment sooner rather than later in life. To many insurance companies, this would be a self-defeating application to take on. A hard reality, but still a fact of life. But don’t ever take “no,” for an answer. It is always possible to find an affordable policy for your needs. The trick of the trade is to find the best life insurance company or agent that will view your high risk as an acceptable risk to take on.

Your best option is to work with a company or agent with an intricate understanding and knowledge of the high risk life insurance industry. And no one understands the high-risk life insurance market as we do. We know and have access to the best life insurance companies and agents who can cater to your coverage needs. If the information in your application and medical report is true and verifiable, then you are guaranteed to be offered favorable premium rates.

Even still, expert brokers, like agents like us, are able to persuade insurance companies and agents who may be on the fence when deciding on a high-risk life insurance applicant. It’s an acquired skill that will come in handy for you, since life insurance is underwritten in a vastly different manner than high-risk life insurance coverage.

Standard Table 4 is a payout designation where the policyholder of high-risk life insurance coverage will pay double or more the accepted standard premium rates. One life insurance agent could offer you Standard Table 4 rates of $250 a month with MetLife, while the next agent could offer you a Standard rate of $150 a month from the same insurance company. You can look up life insurance and agent information on your own, but you won’t know which company is more liable to offer you coverage over another.

It always pays to be enlightened and informed. And always remember that we really know how to get the coverage you need with affordable premiums.

The Bottom Line

You can purchase different types of life insurance if you are considered to be high-risk, but your coverage options may be limited, and you will likely have to pay higher rates. Also known as impaired risk insurance, your high-risk status will be determined by several factors, including your health, lifestyle, profession, habits and hobbies.

The greatest difference between high-risk life insurance and normal life insurance comes in the cost of coverage. If you are classified as high-risk, then the insurer’s projected life expectancy for you will be shorter. Therefore, you pose a greater financial risk to the insurance company since it may need to pay out the death benefit sooner than it would for a person without high-risk factors.

That’s why it’s very important to talk to an  independent agent that is knowledgeable about various financial products such as impaired risk life insurance.

You should also consider consulting a trusted financial professional to help you navigate any financial burdens you might leave behind for your loved ones.