High Risk Life Insurance

Don't Take No for an Answer

Do you need high risk life insurance? If so, you may have more options to choose from than you thought.

Usually, high risk life insurance is purchased for one of two reasons:

  • You take part in hazardous hobbies, or you have a hazardous job.
  • You have a medical condition that is difficult to insure, such as, diabetes, heart disease, or cancer.

These situations make you a higher risk to insure your life from an insurance company’s point-of-view. That’s because you may have a higher risk of dying at an earlier age than the average person.

Because you may be a higher risk, your premiums will be higher for your life insurance policy than they would be if you were in good health, or didn’t take part in high risk work, or high risk hobbies.

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Even if you have a serious illness, it doesn’t mean you can’t get life insurance. In fact, there are several life insurance companies which specialize in insuring high risk applicants. 

We can help you find high risk life insurance companies which may offer you an affordable choice for your coverage.

The following reviews explain the types of life insurance high risk plans available. You can review each plan and choose the coverage that’s right for you.

In fact, you may be able to apply for life insurance for you and your spouse online in minutes. Some plans do not require a physical exam, and may offer instant approval.


Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your 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 Yes/No Health Questions
  • Free Information. No Phone Required. No Waiting

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


Types of High Risk Life Insurance

No Medical Question Life Insurance - Learn about the two leading plans for life insurance with no medical questions to answer.

Guaranteed Acceptance Life Insurance - Find out which insurance company offers guaranteed approval for people age 45-75.

HIV Life Insurance - Life about life insurance plans available for people living with HIV.

Cancer Life Insurance - If you’re a cancer survivor you may qualify for life insurance.

Life Insurance for Epilepsy - Learn how to find affordable life insurance coverage for people with epilepsy.

Diabetes Life Insurance - Learn about affordable term life insurance for diabetics.

Term Life Insurance for Smokers - Get low cost term life insurance for smokers.

Life Insurance for Marijuana Smokers - Marijuana smokers may qualify for affordable rates online.

Senior No Exam Life Insurance - Here’s how to get life insurance with no medical exam required, if you’re a senior.

Life Insurance for Diabetes - Learn about your options for life insurance if you have diabetes.

Life Insurance for Cigar Smokers - Learn about your options for life insurance, and how to get the best rate if you smoke cigars.


High Risk Life Insurance Companies

Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote


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.


If you are on medication, and keeping your health condition under control, you may be able to qualify for life insurance with no medical exam.

To learn more visit one of the following plans listed below for more information:

Life Insurance No Medical Exam Explained - Learn about no exam life insurance and the plans available online.


Begin Your High Risk Term Life Insurance Quote Here



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