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:

  1. You take part in hazardous hobbies, or you have a hazardous job.

  2. 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 you 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 insured.

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 hobbies.

Just because you may 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. Get your free life insurance quote now.

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. Several plans listed below do not require a physical exam, and may offer instant approval.


Top Pick – 1ClickCoverage
Compare the top 5 term life quotes from our network of over 100 leading life insurance companies in less than 2 minutes! Save up to 70%. Request your free quotes for term life insurance.


Highly Recommended - Globe Life Insurance

Globe Life Insurance offers people age 78 and under up to $30,000 of term life insurance with no medical exam, just a few short health questions. Globe Life was established in 1951 and is rated "A+" Superior by A.M. Best for financial strength. Globe Life has more than 3.8 million policyholders. They provide a 30 day money-back guarantee. You can apply online in as little as 5 minutes. $1* starts your life insurance coverage! Apply online here!


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.

Diabetes Term 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.

Accidental Death Insurance - Here's how to buy up to $1,000,000 of accidental death insurance with no health questions asked.


High Risk Life Insurance Companies


Top Pick – 1ClickCoverage
Compare the top 5 term life quotes from our network of over 100 leading life insurance companies in less than 2 minutes! Save up to 70%. Request your free quotes for term life insurance.


Highly Recommended - Globe Life and Accident Insurance Company - Buy up to $30,000 of simplified issue life insurance with no medical exam, just a few short health questions, for people age 78 and under.


Highly Recommended – National Guardian Life
NGL was established in 1910 and is rated "A-" (Excellent) by AM Best for financial strength. People age 40 to 80 may qualify to buy up to $400,000 of single premium whole life insurance with no medical exam. Get your instant quote and apply online. If approved, you may start your whole life insurance policy today. Request your free whole life insurance 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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