Best Life Insurance for High-Risk Individuals in 2025 (Top 10 Standout Companies)
Nationwide, State Farm, and Liberty Mutual offer the best life insurance for high-risk individuals, with rates from $22 a month. Nationwide offers low-cost term life for smokers, State Farm provides stability for risky professions, and Liberty Mutual specializes in whole-life plans for pre-existing conditions.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
UPDATED: Feb 15, 2025
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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 insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 15, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one 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 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.
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17,760 reviewsCompany Facts
Whole Policy for High-Risk Individual
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3,607 reviewsCompany Facts
Whole Policy for High-Risk Individual
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3,607 reviewsThe best life insurance for high-risk individuals comes from Nationwide, State Farm, and Liberty Mutual. Nationwide earns the top overall for offering affordable term and whole-life policies, with rates starting from $22/month.
State Farm provides exceptional financial stability and competitive rates for individuals with risky professions. Liberty Mutual offers fast approval for applicants without requiring medical lab
To pick the best life insurance policy for your needs and budget, we will look at several providers and comprehend the basics of life insurance in this article.
Our Top 10 Company Picks: Best Life Insurance for High-Risk Individuals
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 20% | A+ | Bundling Options | Nationwide |
 | #2 | 17% | B | Financial Stability | State Farm |
 | #3 | 25% | A | Flexible Policies | Liberty Mutual |
 | #4 | 15% | A | Member Benefits | AAA |
 | #5 | 20% | A | Personalized Support | Farmers |
 | #6 | 10% | A++ | Military Focus | USAA |
 | #7 | 10% | A+ | Affordable Plans | Progressive |
 | #8 | 25% | A | Risk Adaptability | American Family |
 | #9 | 5% | A+ | Long-Term Stability | The Hartford |
 | #10 | 25% | A+ | Customer Satisfaction | Erie |
Looking for the best high-risk life insurance companies in your area? Get a free quote now by using our free comparison tool today.
- Find the best life insurance for high-risk individuals with tailored options
- Nationwide offers affordable flexible coverage rates starting at $22/month
- Life insurance for high-risk jobs has higher premiums but solid benefits
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#1 — Nationwide: Top Overall Pick
Pros
- Low Premium Rates for Pre-Existing Illness: Nationwide offers some of the lowest rates for customers with pre-existing conditions.
- Flexible Terms for Smokers: Offers flexible policies for smokers who are considered high-risk profiles. Learn more about these policies by reading our Nationwide life insurance review.
- Comprehensive Medical History: Offers life insurance coverage to customers with dreaded medical history.
Cons
- Strict Underwriting Approval: Getting approval from their underwriting for customers with severe medical backgrounds may result in higher premiums or policy rejections.
- Limited No-Exam Policies: Customers seeking coverage with minimal requirements for medical labs may not find Nationwide the best option.
#2 — State Farm: Best For Financial Stability for High-Risk Customers
Pros
- Reliable Financial Ratings: Assures high-risk clients with strong financial and reliable long-term policies.
- Competitive Rates for High-Risk Jobs Life Insurance: State Farm offers affordable rates for customers in the hazardous work industry.
- Smooth Underwriting: Applicants with manageable health illnesses can find State Farm’s underwriting process accommodating.
Cons
- Expensive Costs for Dreaded Illness: Applicants with pre-existing health illnesses or multiple severe conditions tend to be higher. Know more what insurances they offer by reading our State Farm review.
- Few Policy Customization: Applicants who want a personalized plan may choose another provider.
#3 — Liberty Mutual: Best For Guaranteed Issue Policies
Pros
- Secured Issuance of Policy: Liberty Mutual provides guaranteed issuance of policies to customers with pre-existing health conditions.
- Swift Approvals for High-Risk Individuals: Customers with complex medical backgrounds can benefit from Liberty Mutual’s fast underwriting.
- Specialized Life Insurance Policies: Applicants with chronic illness can apply for a whole-life policy that guarantees lifetime coverage and dividends.
Cons
- Expensive Coverage for Guaranteed Premiums: Guaranteed accepted policies tend to be more costly. Learn more by reading our Liberty Mutual insurance review.
- Few Limits for Coverage: Customers seeking substantial coverage may find Liberty Mutual’s options too limited.
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#4 — AAA: Best For Member Benefits
Pros
- Discounted Coverage for Members: Policyholders from AAA can enjoy discounted premiums, making high-risk policies more affordable.
- Unrestrictive Underwriting for High-Risk Applicants: Accomadates customers with dreaded medical conditions and risky lifestyles.
- Expert Customer Service: Helps high-risk policyholders with exploring their insurance. Know these types of insurance by reading our AAA life insurance review.
Cons
- Few Policy Availability: AAA’s products and services may not be available in all states in the USA.
- Costly Premiums for Non-Affiliates: Non-members may face rather expensive insurance coverage.
#5 — Farmers: Best For Personalized Support
Pros
- Personalized Options: High-risk customer with specific life insurance needs can customize their plans.
- Flexible Riders: Provide a variety of add-ons like accelerated death benefits for broader coverage. Check out what other add-ons they offer by reading our Farmers insurance review.
- Top Rated Customer Support: Through expert local agents, high-risk applicants have a thorough and guided experience.
Cons
- Higher Rates for Certain Illnesses: Applicants with severe pre-existing conditions may find Farmer’s more expensive than other insurers.
- Limited Guaranteed Policies: Farmers doesn’t offer a variety of guaranteed plans, so customers often opt for another insurer.
#6 — USAA: Best For Military Families
Pros
- Tailored Policies for Military Affiliates: USAA offers special perks for personalized plans to military members, who are considered a risky profession.
- Focused on Military People: Their comprehensive plans are specialized only for all military members, their families, and veterans.
- Superior Financial Standing: Backed by A.M Best with an A++ financial rating, assuring policyholders in the long run.
Cons
- Membership Limits: USAA’s services and products are exclusive to military personnel and veterans. Read our USAA life insurance review to learn more about these services.
- Expensive Premiums for Civilian Customers: Although military hazards are covered, high-risk applicants not in the military are welcomed with higher coverage rates.
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#7 — Progressive: Best For Affordable Plans
Pros
- Cheap Options for Plans: They are widely known for offering the most affordable rates among top high-risk life insurance carriers, even for high-risk applicants.
- Medical Exam Not Required: Progressive offers simplified policies that even high-risk applicants can apply for. Check out what Life insurance covers and learn more about these policies.
- Direct Pricing: Progressive offers straightforward rates, helping customers understand how much they spend on high-risk life insurance.
Cons
- Not-So Customizable Plans: Although they are known for affordable rates, their comprehensive policy options are limited.
- Increased Risk Limitations: Some applicants with prior health illnesses may pay more or face application rejection.
#8 — American Family: Best For Risk Adaptability
Pros
- Adaptive High-Risk Plans: Their policies are made more flexible so that people in high-risk professions or customers with pre-existing illnesses can customize their plans.
- Wide Options for Add-ons: Customers can include add-ons like critical illness or disability riders, making it an excellent option for high-risk customers.
- Reliable Customer Support: Their local support agents are trained to guide high-risk applicants with their application, ensuring the best customer service.
Cons
- Not Available to Some States: American Family’s services are not readily available in some states. Read our American Family life insurance review to determine if they are in your state.
- Expensive Cost for Guaranteed Policies: Premiums offered by American Family can be costly for customers who look for budget-friendly insurers.
#9 — The Hartford: Best For Long-Term Stability
Pros
- Consistent Lifetime Coverage: Some applicants with chronic illnesses may find it hard to find the best option, but they can opt for The Hartford, which offers comprehensive policy plans for customers with dreaded conditions.
- Personalized Long-Term Policies: The Hartford offers a wide range of add-ons, such as accelerated perks for high-risk applicants with unique lifestyles.
- Long-Term Financial Strength: High-risk customers who seek reliable lifetime coverage can have peace of mind with The Hartford’s top-rated financial ratings.
Cons
- Clients with Severe Condition: Rates are expensive, especially for applicants with a dreaded pre-existing illness. Read The Hartford’s life insurance review to learn more about what they offer.
- Restricted No-Exam Plans: Customers seeking simple life insurance coverage may find The Hartford’s options limited options for life insurance.
<h2id=”Rank10″><strong#10 — Erie: Best For Customer Satisfaction
Pros
- Top Rated Customer Satisfaction: High-risk applicants don’t have to worry about the claims process because they are a top-rated service and claims handling provider.
- Affordable Prices: Erie is one of the few providers offering competitive rates for high-risk applicants. Check out how much you can save by reading our Erie life insurance review.
- Reliable Financial Status: To assure clients, Erie is backed by an A+ rating from A.M. Best.
Cons
- Fewer No-Medical-Exam Policies: Applicants seeking simplified issue policies may have fewer options than other insurers.
- Regional Availability: Erie’s coverage premiums may not be available in other regions in the USA.
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Understanding Best Life Insurance for High-Risk Individuals
High-risk life insurance is a broad term insurance companies apply to any policyholder who is considered more of a risk to insure. Health issues and dangerous hobbies or careers are different types of risks in insurance that can affect your life insurance rates.
You can still find the best life insurance for high-risk individuals, but you may have to shop for policies from high-risk insurance companies.
High-Risk Individuals Life Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Term Policy | Whole Policy |
|---|---|---|
| $25 | $75 |
| $22 | $73 |
| $28 | $79 |
| $30 | $82 |
| $27 | $80 |
| $29 | $85 |
| $24 | $77 |
| $32 | $88 |
| $26 | $78 |
| $27 | $81 |
Below, we have compiled the top insurers of life insurance for high-risks and explained how you earn substantial savings based on their discounts.
Life Insurance Discounts From the Top Providers for High-Risk Individuals
| Insurance Company | Available Discounts |
|---|---|
| Member Discount, Good Health Discount, Multi-Policy Savings |
| Healthy Living Credit, Multi-Policy Discount, Loyalty Discount |
| Safe Driver Discount, Good Health Discount, Multi-Policy Savings |
| Wellness Rewards, Non-Smoker Discount, Bundling Discount |
| Bundling Discount, Non-Smoker Discount, Healthy Lifestyle Credit |
| Multi-Policy Discount, Good Health Discount, Safe Driver Discount |
| Multi-Policy Discount, Good Health Incentives, Lifestyle Savings |
| Good Health Discount, Multi-Policy Discount, Safety Features Discount |
| Bundling Discount, Safe Driving Discount, Non-Smoker Discount |
| Military Service Discount, Healthy Lifestyle Credit, Family Member Discount |
Use this guide to learn how to understand your life insurance policy, what high-risk life insurance companies look for, how high-risk life insurance rates are determined, and where to find affordable high-risk life insurance policies.
Factors Affecting Life Insurance Rates for High-Risk Individuals
Factors like your age, geographical location, and health condition may also significantly influence your quotes for the best high-risk life insurance. These factors directly affect your premium rates for coverage, so knowing these is essential to getting quotes from top life insurers specific to your conditions and needs.
Factors Influencing Life Insurance Costs for High-Risk Individuals
| Factor | Impact on Cost |
|---|---|
| Age | Older individuals pay higher premiums due to increased risk. |
| Location | Rates vary by state due to regulations and cost of living. |
| Health Status | Pre-existing conditions and chronic illnesses raise costs. |
| Coverage Level | Higher coverage amounts result in higher premiums. |
| Tobacco Use | Smokers face significantly higher rates than non-smokers. |
| Gender | Men generally pay higher premiums than women. |
| Family Size | More dependents may lead to higher coverage needs. |
| Plan Type | Term life is cheaper than whole or universal life policies. |
| Deductibles & Copayments | Lower deductibles lead to higher premiums. |
| Employment Status | Job-based coverage may reduce personal policy costs. |
To acquire the best life insurance, compare quotes, but look for carriers that deal with high-risk applicants and look for insurers offering lenient underwriting or guaranteed issue policies to ensure affordable coverage tailored to your unique needs
Nationwide stands out for high-risk individuals by offering affordable coverage options and tailored policies that fit unique needs, including those with risky jobs or health concerns.
Kristen Gryglik Licensed Insurance Agent
High-risk life insurance is coverage that’s available to individuals who are riskier to insure based on their career, hobbies, or health. Risk categories are applied to whole life, term life, and universal life insurance policies.
Life Insurance Risk Categories
| Risk Category | Description | Impact on Premiums |
|---|---|---|
| Preferred Plus | Excellent health, no tobacco use, clean medical history | Lowest premiums |
| Preferred | Good health, minor health concerns, healthy lifestyle | Lower-than-average premiums |
| Standard Plus | Average health, manageable medical conditions | Moderate premiums |
| Standard | Average health with some risk factors (e.g., high BMI, past medical conditions) | Higher premiums |
| Substandard (Table Rated) | Significant health issues, high-risk lifestyle, history of medical conditions | Much higher premiums |
| Guaranteed Issue | No medical exam required, typically for older adults or high-risk individuals | Highest premiums, limited coverage |
Substandard applicants are considered high-risk due to a history of smoking, a family history of illness, pre-existing conditions, and more. Insurance companies examine these and other lifestyle choices to determine high-risk insurance premiums.
When writing a quote about high-risk life insurance policies to interested customers, top insurers may also ask you to fill out certain applications where you have to declare certain pre-existing conditions or what type of work you have. These elements also greatly affect the amount of coverage you’ll pay monthly, depending on what you declare in the documents.
Factors That Make People High-Risk Applicants for Life Insurance
| Factor | Description |
|---|---|
| Smoking & Tobacco Use | Increases risk of serious health conditions like lung disease, heart disease, and cancer. |
| Pre-Existing Health Conditions | Chronic illnesses like diabetes, heart disease, or cancer lead to higher premiums or denials. |
| Obesity | Higher BMI is linked to increased risks of heart disease, diabetes, and high blood pressure. |
| High-Risk Occupations | Jobs like firefighters, pilots, and construction workers pose greater injury or fatality risks. |
| Dangerous Hobbies | Activities such as skydiving, scuba diving, or racing increase the chance of fatal accidents. |
| Poor Driving Record | Multiple accidents, DUIs, or reckless driving history signal higher risk to insurers. |
| Family Medical History | A family history of hereditary conditions like cancer or heart disease can raise risk classification. |
| Substance Abuse History | Drug or alcohol abuse, even in recovery, may result in higher premiums or coverage denial. |
| Mental Health Conditions | Severe depression, anxiety, or past suicide attempts may be considered a higher risk. |
| Older Age | Life expectancy decreases with age, leading to higher premiums. |
This table shows the top life insurance providers’ categorization of what they consider high-risk applicants who are applying for life insurance. As you can see, life insurance for high-risk occupations and other factors in the category pays higher premiums than those who don’t have pre-existing illnesses or hazardous jobs.
If you fall into one of these categories, it’s important that you get a quote from a local agent or online to ensure you get the most affordable rates for your needs and lifestyle.
How Companies Determine Life Insurance Rates for High-Risk Individuals
When you apply for life insurance, your provider will determine your level of risk. You may be considered high-risk based on your career or lifestyle choices, and your provider will charge you accordingly.
Life Insurance Monthly Rates for High-Risk Individuals State vs. U.S. Average
| State | Life Insurance | U.S. Average |
|---|---|---|
| Alabama | $290 | -$10 |
| Alaska | $310 | $10 |
| Arizona | $320 | $20 |
| Arkansas | $295 | -$5 |
| California | $360 | $60 |
| Colorado | $330 | $30 |
| Connecticut | $340 | $40 |
| Delaware | $305 | $5 |
| Florida | $370 | $70 |
| Georgia | $325 | $25 |
| Hawaii | $380 | $80 |
| Idaho | $315 | $15 |
| Illinois | $300 | $0 |
| Indiana | $290 | -$10 |
| Iowa | $280 | -$20 |
| Kansas | $310 | $10 |
| Kentucky | $285 | -$15 |
| Louisiana | $320 | $20 |
| Maine | $340 | $40 |
| Maryland | $335 | $35 |
| Massachusetts | $360 | $60 |
| Michigan | $315 | $15 |
| Minnesota | $310 | $10 |
| Mississippi | $295 | -$5 |
| Missouri | $325 | $25 |
| Montana | $295 | -$5 |
| Nebraska | $345 | $45 |
| Nevada | $315 | $15 |
| New Hampshire | $290 | -$10 |
| New Jersey | $310 | $10 |
| New Mexico | $350 | $50 |
| New York | $370 | $70 |
| North Carolina | $305 | $5 |
| North Dakota | $325 | $25 |
| Ohio | $315 | $15 |
| Oklahoma | $295 | -$5 |
| Oregon | $300 | $0 |
| Pennsylvania | $300 | $0 |
| Rhode Island | $320 | $20 |
| South Carolina | $310 | $10 |
| South Dakota | $330 | $30 |
| Tennessee | $325 | $25 |
| Texas | $340 | $40 |
| Utah | $290 | -$10 |
| Vermont | $280 | -$20 |
| Virginia | $305 | $5 |
| Washington | $315 | $15 |
| West Virginia | $310 | $10 |
| Wisconsin | $285 | -$15 |
| Wyoming | $310 | $10 |
For example, being a smoker makes you a higher risk to insure since smoking increases the likelihood of respiratory and cardiovascular diseases.
Statistics show that smokers die 10 years earlier than non-smokers and end up paying twice as much for high-risk life insurance. Let’s explore this table.
Monthly Term Life Insurance Rates for Smokers by Age ($100,000/10-Year Policy)
| Smoker's Age | Monthly Rates for a Male | Monthly Rates for a Female |
|---|---|---|
| 25 | $27 | $21 |
| 35 | $30 | $24 |
| 45 | $53 | $41 |
| 55 | $114 | $83 |
| 65 | $270 | $186 |
High-risk term life insurance rates for smokers can average around $27 per month for a 25-year-old male, as compared to the $11 per month some non-smokers pay in the table below.
Monthly Term Life Insurance Rates for Non-Smoker by Age ($100,000/10-Year Policy)
| Age (Non-Smoker) | 10-Year Policy (Men) | 10-Year Policy (Women) | 20-Year Policy (Men) | 20-Year Policy (Women) | 30-Year Policy (Men) | 30-Year Policy (Women) |
|---|---|---|---|---|---|---|
| 25 | $11 | $11 | $12 | $11 | $15 | $13 |
| 30 | $11 | $11 | $12 | $11 | $16 | $13 |
| 35 | $11 | $11 | $13 | $12 | $17 | $14 |
| 40 | $13 | $12 | $15 | $13 | $22 | $18 |
| 45 | $16 | $15 | $20 | $17 | $29 | $23 |
| 50 | $20 | $19 | $27 | $22 | $40 | $32 |
| 55 | $28 | $24 | $41 | $31 | $79 | $55 |
| 60 | $40 | $33 | $66 | $51 | Not Available | Not Available |
| 65 | $66 | $49 | $113 | $81 | Not Available | Not Available |
These life insurance rates are just averages, and your rates can vary based on your age and gender. High-risk life insurance rates are also impacted by your career and lifestyle choices, so it’s important to shop around online for insurance quotes before you buy to secure the best rates.
Read more: Best Life Insurance Policies for Smokers
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Case Studies: Life Insurance Guide for High-Risk Individuals Guide
Case Study 1: Sarah’s High-Risk Term Life Insurance
Sarah is a 35-year-old individual with a history of heart disease. She wanted to secure a life insurance policy to protect her family financially. However, due to her pre-existing condition, she fell into the high-risk category for life insurance.
Sarah used an online comparison tool to gather quotes from various insurance companies that specialize in high-risk cases. After reviewing the options, she selected a term life insurance policy that provided the coverage she needed at a reasonable premium rate. Sarah was able to secure the policy and have peace of mind knowing her family would be financially protected.
Case Study 2: David’s High-Risk Whole Life Insurance
David, a 40-year-old professional firefighter, was considered a high-risk individual by insurance companies due to his occupation. David wanted a life insurance policy that provided lifelong coverage and accumulated cash value over time.
He utilized the services of an insurance agent who specialized in high-risk cases. The agent helped David navigate the underwriting process and find a whole life insurance policy that suited his needs. Although the premiums were higher than standard policies, David understood the importance of comprehensive coverage given the risks associated with his career.
Case Study 3: Lisa’s High-Risk Guaranteed Issue Life Insurance
Lisa, a 50-year-old individual, had a history of cancer and was unable to find affordable life insurance due to her pre-existing condition. She decided to explore guaranteed issue life insurance, which is specifically designed for high-risk individuals who may be declined coverage elsewhere.
When choosing life insurance, Nationwide’s transparency in underwriting and competitive prices make it the best choice for people navigating high-risk scenarios.
Justin Wright Licensed Insurance Agent
Lisa applied for a guaranteed-issue life insurance policy and was approved without a medical exam or extensive underwriting. While the coverage amount was limited, Lisa felt relieved knowing she had some form of life insurance protection.
Best Life Insurance for High-Risk Individuals: Tips on Buying the Right Coverage
The average cost of life insurance varies in your category. But, you’re still likely to pay more for life insurance as a high-risk individual, and shopping around online for the best life insurance for high-risk life insurance quotes is the easiest way to find affordable coverage.
We have provided an easy-to-understand guide to help you find the best life insurance for high-risk individuals.
- Assess Your Risk Level: Understand how your pre-existing conditions or lifestyle factors affect your category when applying for life insurance for high-risk individuals.
- Compare Multiple Quotes: Get quotes from several high-risk life insurance companies to identify affordable policies that fit your needs.
- Choose the Right Policy Type: Decide whether term, whole life, or guaranteed issue is best, as high-risk term life insurance might be a more affordable option for temporary coverage.
- Be Honest in Your Application: Declare all necessary medical history. Providing accurate information about your health conditions is important so insurers won’t reject or deny your policy.
- Focus on High-Risk Expert Companies: High-risk customers should seek insurers offering high-risk term life insurance or policies tailored to individuals with prior health conditions.
- Improve What You Can: Manage controllable health factors, like quitting smoking or controlling blood pressure, to potentially lower premiums.
- Ask About Riders Coverage: For better protection and coverage in the long run, customers can opt for add-ons like critical illness benefits or accidental death benefits.
- Explore No-Medical-Exam Options: If your health limits traditional policies, check high-risk life insurance companies offering no-medical-exam coverage and compare costs.
- Check Financial Strength: Choose an insurer with strong financial stability to ensure claims can be paid when needed.
- Work with an Expert Agent: Reach out to an agent familiar with the policies you want to acquire, like high-term life insurance, to help you find the most affordable coverage for your needs.
Once you find a provider with quotes that fit your budget, you can contact them to discuss your coverage options and ask about any life insurance discounts you may qualify for.
Buying life insurance could be overwhelmingly difficult, but understanding your needs and options, working with high-risk life insurance companies that offer the best customer service, and being proactive should help.
If you need to find companies near you offering life insurance for high-risk people, enter your ZIP code below to find affordable high-risk life insurance quotes from local companies.
Frequently Asked Questions
Can high-risk individuals obtain life insurance coverage?
Yes, high-risk individuals can still obtain life insurance coverage. However, the process may be more complex, and the premiums are likely higher than those for individuals with lower risk profiles. However, they can apply to other options, like accelerated underwriting life insurance, for quicker approvals.
How can high-risk individuals find life insurance coverage?
High-risk individuals can find life insurance coverage by working with insurance agents or brokers specializing in high-risk cases. These professionals have expertise in navigating the complexities of underwriting for high-risk individuals and can help find suitable coverage options. Get fast quotes for life insurance in your area today by entering your ZIP code in our free comparison tool.
What is considered a high-risk individual when it comes to life insurance?
A high-risk individual in the context of life insurance refers to someone who poses a greater likelihood of experiencing health issues or engaging in activities that increase their risk of mortality. This can include individuals with pre-existing medical conditions, smokers, those with a hazardous occupation or hobby, or a history of serious illnesses.
What factors affect the premiums for high-risk individuals?
Several factors can influence the premiums for high-risk individuals. These include the individual’s age, overall health condition, medical history, lifestyle choices (such as smoking or excessive drinking), occupation, and participation in high-risk activities.
What are the different types of life insurance risks?
The different categories of life insurance risks include health conditions like people who are overweight, high-risk jobs, hazardous hobbies, and family medical history.
Are there specific types of life insurance policies for high-risk individuals?
High-risk individuals have access to various life insurance policies. However, depending on the individual’s circumstances, some policies may be more suitable than others. Term life and guaranteed-issue life insurance are often considered viable options for high-risk individuals.
What is the best insurance for high risk?
Nationwide is the top choice for high-risk individuals, offering affordable term and permanent life insurance policies starting at $22/month.
What type of life insurance has the strongest guarantees?
Guaranteed life insurance provides strong assurances, offering coverage without medical exams, while permanent life insurance ensures lifetime protection.
What is the highest life insurance policy?
Permanent life insurance typically offers the highest coverage limits, providing lifelong protection and cash value accumulation.
What are the top 5 life insurance companies in the USA?
The top 5 life insurance companies are Nationwide, State Farm, Liberty Mutual, AAA, and Farmers, known for accommodating high-risk applicants. By entering your ZIP Code today, learn more about your state’s best life insurance provider for high-risk individuals and how much their coverage would cost.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.