Cheap High Risk Life Insurance

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What is cheap life insurance for high risk individuals and where can I compare plans and prices?

High-risk life insurance is life insurance for people who either have risky jobs, high risk hobbies, or health problems, which make them a high risk when insuring their life for life insurance.

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Life insurance companies consider your life expectancy, how long they expect you to live, when offering you life insurance.

If you take part in high risk activities, such as, bungee jumping or sky diving, or have a high risk job, such as, demolitions work or airline pilot, you may have a shorter life expectancy than the average person.

In addition, if you have a chronic health condition, or health issues, your life expectancy may be shortened.


What options do you have for High Risk Life Insurance?

  1. Term Life Insurance – You can compare plans and prices from multiple life insurers online to help you find the most competitive policy to meet your needs.
  2. Guaranteed Approval Life Insurance – Offers a limited amount of life insurance at above average rates.
  3. Accidental Death Insurance – Offers you up to $1,000,000 of accidental death life insurance with no medical exam required and no health questions.


What is the Cheapest High Risk Life Insurance?

Based purely on price, the cheapest life insurance available for a high risk person would probably be accidental death insurance because it pays out a claim only if you die as a result of an accident.

The next cheapest life insurance plans available would probably be term life insurance protection.

Why? Because term insurance provides temporary life insurance for a specific period of time, usually 10, 15, 20 or 30 years.

That means a 10 year term life insurance policy would be cheaper than a 20 year term insurance policy, because the chances of you dying within 10 years is less than the chances of you passing away within 20 years.


How can I find cheap high risk term life insurance?

You have several options when it comes to comparing plans and rates for term life insurance. You can choose any one of the following:

  1. Contact a local licensed independent life insurance agent.
  2. Call a life insurance company direct for quotes.
  3. Compare free life insurance quotes on the internet.


Make sure when you shop for your life insurance policy to consider the following:

  • How much life insurance do you need?
  • How much can you afford to pay?
  • How many years do you need life insurance?


When shopping for cheap high risk life insurance make sure you compare rates from multiple life insurance companies because prices may vary between insurers.

Also, your life insurance quotes may provide the financial ratings of the companies. The financial rating is an indication of the insurance company’s financial stability, and their ability to pay their claims. The higher the financial rating, the more financially secure the insurance company.


Cheap High Risk Life Insurance Quotes


Top Pick – Wholesale Insurance
Wholesale Insurance lets you shop, compare and save on life insurance. For more than 30 years, Wholesale Insurance has helped more than 500,000 American families protect their futures. Compare the best life insurance rates from 40 top carriers with just one click. Request your free quotes for life insurance.


Highly Recommended – United of Omaha
United of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $3,000 up to $25,000 of coverage. Rates start as low as $8.80 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.


Highly Recommended – Globe Life Insurance

$1* Buys $100,000 Globe Life Insurance

  • Coverage for Adults or Children

  • No Medical Exam. Just a Few Y/N Health Questions

  • Free Information. No Phone Required. No Waiting

Buy Direct. Monthly Rates as low as $3.49 for Adults/$2.17 for Children.



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