High Risk Life Insurance
Life Insurance

Understanding High Risk Life Insurance

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Get Covered With High Risk Life Insurance

Are you or any of the members of your family suffering from a life-threatening disease? Are you involved in some high-risk activities? Does your job require you to be in dangerous situations where your life is on the line? If any of these is true, opt for high-risk life insurance policy without a second thought to secure yourself and your family.

How to Pay the Lowest Premiums for High Risk Life Insurance?

Let’s face it, life insurance is an essential aspect of being a responsible adult. The idea of your family having to downsize or move at a time when they are also dealing with grief and loss is just unthinkable.

The main issue holding people back from obtaining life insurance is the affordability of the monthly premium. You may be surprised to know that life insurance is quite affordable! At least, for most people it is. In some cases, you may need to obtain high-risk life insurance. 

So how do you determine whether or not you need conventional life insurance coverage or high-risk life insurance coverage? And if you do need high-risk life insurance, will you actually be able to afford it?

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What Is Considered High Risk?

Most people who are high risk don’t expect to be classified as such. The assumption is that high-risk insurance coverage is for people with a chronic illness, such as diabetes, or a dangerous occupation, such as firefighting. But this is simply not the case. 

In fact, there are many reasons why you could wind up being a high-risk policyholder. Some of these factors include your family medical history, having adrenaline-packed hobbies like a sky or scuba diving, or weekend indulgences. 

There are national guidelines, for example, for what constitutes high-risk drinking, and sometimes the most innocent of fun activities (kickboxing, or sailing) might put you in a different risk bracket than other people.

What Does a High Risk Life Insurance Policy Cover?

A High Risk Life Insurance policy provides coverage that normal life insurance policies don’t. As such, premiums for these types of policies can be a bit higher so it’s important to compare companies. This can happen in three cases:

  • If you have chronic diabetes, cancer, or other health issues that are preventing you from opting for conventional life insurance
  • A lifestyle full of drinking or smoking might make you appear as a high-risk candidate to some life insurance companies
  • Hobbies or occupations like scuba diving, mountaineering, or skydiving put you in the high-risk zones

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Don’t Bend the Truth to Avoid High Risk Life Insurance

The first step in setting up a life insurance policy is to obtain a life insurance quote, which usually results from an in-depth questionnaire. During this conversation with an agent or insurer, the elephant in the room is, “What if I just don’t tell them that I smoke?” Or bungee jump, or own a speedboat.

While it may be tempting to leave out details about your life, the risk is just too great. If anything happened to you while you were mountain climbing, for example, or if you developed a pulmonary disease resulting from smoking, your insurer would be in their right to refuse to provide a payout to your family. 

The good news is that it’s easier than ever to get an affordable, high-risk life insurance plan. Don’t just assume that you will have to pay hundreds of dollars each month to be insured. It could be far, far less than you think.

How to Find Affordable High Risk Life Insurance?

The absolute best way to find affordable high-risk life insurance is to tell the complete truth about your lifestyle, job, and medical history and then shop around. You need to compare rates between companies, so you don’t end up paying higher premiums than you have to. 

Comparing rates doesn’t mean answering endless questionnaires. When you work with us, you can answer questions once, and we’ll do the heavy lifting for you! 

What’s more, we’ll match you with the best and most affordable high-risk life insurance provider for your specific needs. We’ve curated a list of the top carriers in this niche industry, so we won’t waste your time with insurers who are not going to give you competitive rates and solid coverage.

Working with us can save you hours on the phone, but not only that: They can navigate the language and nuances of your life insurance quote to help you make the best decision for your particular needs. 

Get a fast and free high-risk life insurance quote online now. 

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The Take-Away: You May Need High Risk Life Insurance

The bottom line is that if you are high-risk, you cannot NOT afford to get life insurance! Here’s why: 

  • If you are high-risk because of your lifestyle choices around smoking and drinking, you may have put yourself at risk for an illness related to these habits.
  • If you are high-risk because of an illness, it can be a comfort knowing you have life insurance in case your condition worsens.
  • If you are high-risk because of your hobbies, don’t quit doing what you love! Life is meant to be lived, right? Don’t let a few extra dollars a month hold you back from being you.

For all of these reasons, it’s important to get covered. It all starts with a high-risk life insurance quote with us. Filling out our form will only take minutes, and it can save you thousands of dollars. Most importantly, your family deserves for you to take a bit of time investigating your options.

FAQs
Yes, it is definitely possible but you will want to be sure to ask your agent all the right questions to ensure you are covered adequately. It's important to know that coverage may be a bit more limiting due to you being high risk but it is still possible to get. You're on the right track by getting quotes and comparing rates.
Yes. A lot of high-risk life insurance policy owners are just like you. Active and fit people often have hobbies that take them out of doors, such as kayaking, mountain biking, or rock-climbing. Just a reminder, if you’re tempted to leave these off your questionnaire, just make sure absolutely nothing happens to you on the trail, or your family will be the ones left stranded.
Instead of. You don’t need an “add-on” to a regular policy, you will only need to pay one premium per month. If you are high risk, it just might be at a slightly higher rate than a conventional policy premium.
A high risk insurance policy was created for those that have unique circumstances that would otherwise prohibit them from getting a life insurance policy. This type of policy will typically carry a higher premium but the good news is, you can still get covered.

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