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High Risk Life Insurance – Getting Approved for Coverage

If you are looking for high risk life insurance I’ll cover what some of your options are in this article.

At we are high risk brokers and experts, so if you would like a customized insurance quote based on your specific health situation, simple fill out the quote form below this paragraph and we will contact you. Otherwise keep reading for more information.


High Risk Life Insurance – What Are Your Options? high risk life insurance

Many people that might be considered high risk can get approved for the same life insurance policies that anyone else can get. The difference is that if you do have a pre-existing health condition you will likely pay more for a life insurance policy than someone who is healthy and does not have a history of a medical condition.

Life Insurance Health and Table Ratings

Most people are familiar with the typical life insurance health ratings you could qualify for in a life insurance policy, such as Preferred or Standard pricing. However if you have a pre-existing health condition and considered a greater risk, you will most likely get a Sub-Standard Rating. Below the regular “Standard” rating, Life Insurance companies  have substandard ratings called Table ratings, usually in the form of Letters or Numbers. For example if you are high risk, you may get approved for life insurance at anywhere between a Table A-J health rating, otherwise known as a Table 1-10 health rating. The lower the number, the cheaper the price of the policy.

High Risk Life Insurance – Medical Conditions

At we have had success helping people with various pre-existing health conditions get approved for  life insurance.

For example, we have helped diabetics, people with multiple sclerosis, Chron’s disease, history of cardiovascular disease or heart attack, heart murmers, hepatitis c,epilepsy, stroke, sleep apnea, asthma, history of cancer – including breast cancer and prostate cancer,liver enzyme elevations, and a host of other issues get approved for life insurance.

What If You Have Already Been Declined?

If you have been declined for life insurance, it doesn’t mean that you can’t get coverage. It is very possible that you didn’t apply for coverage with the right life insurance company. Different life insurance companies have a different appetite for the kind of risk they want to take, and while one company may decline you, another might approve you. At we specialize in high risk and work with over 30 life insurance companies. Based on your specific condition and situation we will match you up with the right life insurance company, giving you the best chance to getting approved for life insurance. If you do get declined there might be other options as well with guaranteed acceptance or graded benefit life insurance – which we can help you with as well.

Term Life Insurance for High Risk

We typically recommend term life insurance for high risk since it helps keep the costs lower for life insurance. We work with over 30 life insurance companies for high risk, such as Prudential, American General, Banner Life, Fidelity Life, Transamerica, Metlife and others.

High Risk Life Insurance Rates

If you are looking for the best rates fill out our quote form below and let us know your specific situation. We will contact you and provide you with a customized life insurance quote.


Author: Liran Hirschkorn

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Liran Hirschkorn

Liran Hirschkorn is the founder of His mission is to help individuals across the country in finding the best rates on life insurance as well as helping individuals with high risk life insurance.

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