Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 29, 2022

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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 insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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.

If climbing to the top of Mount Everest, jumping out of planes, or swimming with sharks sounds like fun to you, you may be living what some consider a high-risk lifestyle.

Since there is a higher chance of injuring yourself or worst, possible death, you may find it difficult obtaining life insurance coverage.

It’s can also be difficult getting life insurance coverage if you have pre-existing health conditions such as HIV, cancer, heart conditions or diabetes.

But it’s not impossible. There is high-risk life insurance coverage available.

Here’s what you need to know about getting insured when you’re considered high risk.

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.

High Risk Has Different Meanings at Different Companies

Different insurance companies are going to have different opinions on what they consider high risk. They’ll have their own set of underwriting guidelines to follow before approving a policy.

The guidelines for a high-risk life insurance policy are designed to determine who the carrier will and won’t insure. And it also helps determine the rate class each applicant is placed in.

All this means is that you may need to do some shopping before you find an insurance carrier willing to take you on as a policyholder.

Your one-stop online guide for life insurance quotes. Get free quotes now!

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Work With a Carrier Experienced With Your Risk

The absolute best way to get high-risk life insurance is to work with an experienced agent.

Agents or agencies that are independent such as Top Quote Life Insurance are able to offer multiple life insurance companies. By having multiple life insurance companies to shop your coverage around makes it easier to pinpoint a company that will be the most favorable to your high risk.

But you’re looking for the best deal, not just to get coverage. The more companies to choose from, the more likely it is you’ll save money.

You can also do a search online using keywords like, “life insurance with diabetes” or “life insurance with congestive heart failure.”

That way, you can find a few agents who are experts in your risk. They can tell you which companies will give you the best offer.

Control and Compliance Associated With High-Risk Life Insurance

If you suffer from a chronic medical issue such as asthma or diabetes, you need to demonstrate control and compliance. This is rarely an issue for high-risk activities, but more for health conditions.

With control, it means there are no major complications in relation to your illness. Compliance means you’re following doctor’s orders.

With a lot of cases, it just means you’ll need to improve your cholesterol, blood pressure, and other lab results within normal limits.

If you’ve been declined or rated highly because of those lab results, if you can get them under control, you can reapply.

Look for Trial Offers

There’s a process in the life insurance industry. They can send your risk to several insurance companies at the same time.

It’s done without requiring the completion of a form life insurance application. It’s done as a sort of “pre-qualification” to let the possible policyholder know what kinds of offers they can expect to receive.

It works by having your agent gather all your detailed health information. It’s summarized for underwriters and then sent out to any carriers willing to consider the risk.

High-Risk life insurance companies then review your health profile. If they’re interested, you’ll receive in writing a tentative offer.

This means that as long as everything has remained unchanged, the rates the insurance company provided should remain the same.

The next move is for you to choose the best offer. Your agent will attach the tentative offer along with your formal application.

Your one-stop online guide for life insurance quotes. Get free quotes now!

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Call Centers Aren’t Always the Best Choice

Call center agents handle well over a hundred applications each month. It’s hard for them to provide personalized attention to anyone.

And if you’re looking for high-risk life insurance, you’ve just complicated their job even more. If an agent working in a call center usually writes between four and five policies each day just to keep their job, it’s unlikely they will be enthused about your extra needs.

Your type of life insurance requires more attention. You need to find the right policy and get a good price for it.

If a call center agent is already overworked and short on time, it’s reasonable to believe your insurance requirements won’t receive the type of hands-on assistance it requires.

What Isn’t Actually Considered High-Risk

Not all medical conditions are considered high-risk. The same is true for certain careers and activities that some would ordinarily consider high risk.

That misconception has stopped a lot of people from obtaining health insurance because they thought they wouldn’t receive coverage.

The following issues won’t keep you from receiving great rates.

Keep that in mind when shopping for your insurance.

The Type of Policy You Choose Affects Your Approval Chances

High-risk life insurance offers a few policy choices. Which one you choose will affect your chances of approval.

Start your high-risk life insurance search by taking a look at employer-sponsored life insurance programs.

Many group life plans offer a simplified underwriting that’s easier to qualify for. And most won’t ask a lot of disqualifying health questions.

Some companies want to know if you smoke. Some won’t ask any health questions at all.

While this sounds great, there is a downside. If you leave your job or are terminated, you could lose coverage.

Also, many of these types of plans only offer a maximum of $25,000 of death benefit coverage. In many cases, this amount of coverage will not cover family life insurance needs.

Your one-stop online guide for life insurance quotes. Get free quotes now!

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Give us the details and we will find you the best rate for high risk life insurance coverage!

When it comes to high-risk life insurance quotes we strongly recommend contacting us to speak with one of our licensed high-risk life insurance agents. A high-risk life insurance agent will help assist you with getting the best high-risk life insurance rates available.

Because all life insurance companies underwrite high-risk health class conditions differently, it is important that we understand your unique health condition, in order for us to provide you with the best high-risk life insurance rates available.

We ask that you provide us with as much detail about your health conditions in order for us to get you an accurate life insurance quote through one of our top-rated high-risk life insurance companies.

How do we help our online consumers obtain the best rates for high risk related health conditions?

#1. Contact us at Top Quote Life Insurance with your unique health condition(s).

#2. We will record only your health details to include the onset of health condition(s) and any medications currently prescribed for a said health condition(s).

#3. We then take the health information you have provided us and send it out to all of our life insurance companies for a tentative health risk classification.


#4. Generally, within 24-72 hours we will start receiving tentative underwriting offers based on the health information we have provided to the life insurance companies. Depending on the type of medical condition some life insurance companies may come back with no offer but that is why we are requesting from several companies. Remember all life insurance carriers will view medical condition differently.

#5. When all tentative underwriting offers have been received we will quote accordingly and contact you with the TOP rates.

Get Insured

Life is precious. No one knows what will happen next.

That’s what makes life exciting but that doesn’t mean we can’t take measures to protect ourselves and our families.

Don’t wait to get insurance. Start your search today by taking a look at our list of the best life insurance companies in the US.

Do you need a life insurance quote but are unsure if your health condition qualifies you for coverage? Please fill out the below contact form for a custom life insurance quote.


  • Date of birth
  • State of residence
  • Height and weight
  • Details pertaining to your health and any prescriptions
  • Amount of life insurance coverage
  • Length of coverage

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Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.