Business Details
21 Years
experience
Your Trusted Partner for Life Insurance Solutions
At RiskQuoter, we specialize in providing life insurance solutions for individuals with complex medical histories or high-risk profiles. With over two decades of underwriting and brokerage experience, our team leverages in-depth knowledge of carrier guidelines to match clients with the most suitable policies. We offer 150+ comprehensive guides on health conditions, companies, and products, ensuring transparency and informed decision-making.Our process eliminates sales pressure by prioritizing client needs, delivering personalized quotes tailored to individual health profiles. Backed by carrier underwriting expertise, we streamline approvals while maintaining strict compliance with industry standards. Our commitment to ethical practices is reflected in our no-obligation consultations and focus on long-term client relationships built on trust and reliability.
Services
Life Insurance
High-Risk Conditions
Company Reviews
Life Insurance Guides
Policy Comparisons
Details
- Year established: 2005
Highlights and features
- 20+ years of underwriting and brokerage experience
- 150+ in-depth guides across health conditions and products
- Backed by carrier underwriting guides and expertise
- Transparent, fast, and tailored to your situation
- No sales pressure or hidden fees
What people say
Excellent customer service
Great deal secured
Outstanding assistance
Professional and honest
Cared about clients
Services
High-Risk Life Insurance
We specialize in life insurance for applicants with pre-existing medical conditions, prior denials, or high-risk profiles. Our underwriting expertise matches complex cases with insurers offering favorable terms. Services include policy comparisons, application guidance, and ongoing support through the approval process.
Term Life Insurance
Affordable term life policies provide temporary coverage for specified periods. We offer access to accelerated underwriting programs, instant approvals, and competitive rates through top-rated insurers. Services include policy illustrations and coverage duration analysis.
Company Reviews
Our detailed carrier reviews evaluate underwriting flexibility, pricing, and product strengths. We analyze 50+ insurers to identify optimal matches for high-risk applicants, including specialized programs for specific medical conditions and occupational risks.
Life Insurance Guides
We provide 150+ condition-specific guides covering underwriting criteria, approval timelines, and insurer preferences. Resources include comparisons of policy types, underwriting question explanations, and strategies for improving approval odds.
Policy Comparisons
Our side-by-side policy comparisons evaluate premiums, coverage terms, and underwriting requirements across multiple insurers. Services include detailed spreadsheets showing price differences and explanations of policy riders and guarantees.
People
Michael Horbal
Founder
Michael Horbal founded RiskQuoter to address gaps in life insurance access for high-risk applicants. With 20+ years in underwriting and brokerage, he developed proprietary matching systems that connect complex cases with suitable insurers while maintaining strict compliance standards.
Questions
Can I get life insurance after being previously denied?
Yes. We specialize in placing applicants with prior denials by matching their profile to insurers with relevant underwriting experience for their specific condition.
How do health conditions affect premiums?
Premiums depend on condition severity, treatment history, and stability. Many applicants with controlled conditions pay 10-25% above standard rates, while severe cases may require graded benefit policies.
What underwriting options exist for high-risk applicants?
Options include accelerated underwriting (no exam), traditional medical underwriting, and guaranteed issue policies. Our field underwriting process helps identify the most favorable carrier before formal application.
How long does approval take?
Approvals range from instant decisions for accelerated programs to 4-6 weeks for traditional underwriting. Terminal illness cases may receive expedited processing through specialized carrier programs.
What makes RiskQuoter different from other agencies?
We focus exclusively on high-risk placements with access to niche underwriting programs. Our service includes detailed carrier comparisons, condition-specific underwriting guides, and ongoing support through the application process without sales pressure.
Reviews (2)
Kurtis Humberto
Jul 19, 2021
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Mr. Horbal was fantastic to work with, kept in constant contact throughout the process, and helped procure me a great premium cost. I highly recommend Mr. Horbal for your insurance needs.
Mark Clauss
Jun 09, 2016
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I have nothing but praise for Life Insurance Advisors! I have a history of serious health issues in my medical history that have time and time again labelled me as uninsurable when I have attempted to obtain life insurance to protect my family in case of a disaster. Michael has stuck with me time and time again and has exceeded all of my expectations with his commitment to my case. He patiently followed numerous leads and tirelessly fought on my behalf until he was able to do what so many others have failed to do in the past. obtain a life insurance policy for me! I can now rest easy knowing my wife and son will be protected should the unthinkable happen to me. I wholeheartedly recommend Michael and Life Insurance Advisors. you won't be disappointed!
