High Risk Life Insurance Guide (2025 Update)

Finding affordable life insurance can feel challenging, especially if you’ve been told you fall into a “high-risk” category. Concerns about health conditions, a dangerous job, or even certain hobbies might leave you wondering if securing financial protection for your loved ones is even possible, let alone affordable. The good news is that a high-risk classification doesn’t automatically mean you’re uninsurable. However, it does mean that navigating the life insurance market requires more expertise and a strategic approach.

This guide provides an updated overview for 2025 on high-risk life insurance. We’ll explore what factors classify someone as high risk, how it impacts policy options and premiums, and most importantly, how you can still find suitable coverage. Understanding this landscape is the first step towards securing peace of mind.

It’s crucial to know that the life insurance industry isn’t monolithic. Different insurance carriers assess risk differently. What one company considers a significant risk, another might view more favorably based on specific controls or circumstances. This variability is precisely why working with an independent insurance agency is so vital for high-risk applicants. At Insurance By Heroes, founded by a former first responder and military spouse and staffed by professionals with similar public service backgrounds, we understand risk from a unique perspective. We partner with dozens of top-rated insurance carriers across the nation. This independence allows us to shop the market extensively on your behalf, comparing underwriting guidelines and pricing to find the company and policy that best align with your specific situation and needs.

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What is High-Risk Life Insurance?

High-risk life insurance isn’t a specific type of policy itself. Rather, it refers to standard life insurance policies (like term or whole life) issued to individuals who, due to various factors, present a higher-than-average risk of premature death to the insurance company. Insurers use a process called underwriting to evaluate an applicant’s risk profile. Underwriters analyze information about your health, lifestyle, occupation, family history, and other factors to determine the likelihood that the company will have to pay out a death benefit sooner than expected for an average person of your age and gender.

If the underwriting process determines your risk is significantly above average, you’ll be classified as “high risk” or “substandard.” This typically results in higher premiums compared to someone with a standard or preferred risk classification. However, it’s a far better outcome than being declined coverage altogether.

Remember, each insurance company has its own specific underwriting guidelines and niches. Some might specialize in insuring individuals with well-managed diabetes, while others might be more lenient towards certain hazardous occupations or hobbies. This underscores the advantage of working with an agency like Insurance By Heroes. We leverage our knowledge of these carrier-specific nuances to match you with the insurer most likely to offer favorable terms for your particular risk profile.

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Common Factors Leading to a High-Risk Classification

Numerous factors can place an applicant in the high-risk category. Insurers meticulously evaluate these elements during the underwriting process. Here are some of the most common ones:

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Significant Health Conditions

This is perhaps the most common reason for a high-risk classification. Insurers are concerned about conditions that statistically shorten lifespan or increase the likelihood of death.

  • Heart Disease: History of heart attack, coronary artery disease, stents, bypass surgery, congestive heart failure, cardiomyopathy, atrial fibrillation. The severity, treatment effectiveness, stability, and time since the last event are key considerations.
  • Cancer History: Type of cancer, stage at diagnosis, treatment received (chemo, radiation, surgery), date of last treatment, and remission status are all critical. Many insurers require a certain number of years (often 2-10, depending on the cancer) post-treatment before offering standard or near-standard rates.
  • Diabetes (Type 1 or Type 2): Underwriters look at age of onset, level of control (A1C readings are very important), medications used, and any complications (neuropathy, retinopathy, nephropathy). Well-controlled diabetes might receive standard or slightly rated policies, while poorly controlled cases face higher ratings or denial.
  • Obesity: A high Body Mass Index (BMI), especially when combined with other health issues like high blood pressure or sleep apnea, significantly increases risk.
  • Respiratory Diseases: Chronic Obstructive Pulmonary Disease (COPD), emphysema, chronic bronchitis, severe asthma.
  • Kidney Disease: Chronic kidney disease (CKD) severity and treatment (including dialysis) are major factors.
  • Liver Disease: Conditions like cirrhosis or hepatitis C.
  • Neurological Disorders: Multiple sclerosis, Parkinson’s disease, history of stroke (TIA or major stroke). Severity, stability, and impact on daily life are assessed.
  • Mental Health Conditions: Severe depression, bipolar disorder, anxiety disorders, PTSD, history of suicide attempts. Underwriters consider the diagnosis, treatment history, stability, hospitalizations, and medications.
  • Sleep Apnea: Especially obstructive sleep apnea (OSA), if untreated or poorly managed, as it’s linked to heart problems and stroke. Compliance with CPAP therapy is often crucial for better rates.
  • Autoimmune Disorders: Lupus, rheumatoid arthritis, Crohn’s disease. Severity and organ involvement are key.

Lifestyle Choices

Certain personal habits and activities significantly increase mortality risk.

  • Smoking and Tobacco Use: This is one of the biggest factors. Smokers (cigarettes, cigars, vaping, chewing tobacco) face premiums two to four times higher than non-smokers. Quitting can lead to non-smoker rates, but usually only after 12 months or more of being nicotine-free (some carriers require 3-5 years for the best rates).
  • Heavy Alcohol Consumption: History of alcohol abuse or current heavy drinking raises concerns about liver disease, accidents, and other health issues.
  • Substance Abuse History: Past or present use of illegal drugs or abuse of prescription medications is a major red flag. Recovery time and treatment history are critical factors for potential approval.
  • Hazardous Hobbies or Activities: Engaging in activities with a high risk of accidental death can lead to higher premiums, flat extra charges, or exclusions for death related to that activity. Examples include:
    • Scuba diving (especially deep or wreck diving)
    • Private aviation (piloting small aircraft)
    • Rock climbing or mountaineering
    • Skydiving or BASE jumping
    • Motorsports (racing cars or motorcycles)

Dangerous Occupations

Jobs that expose individuals to significant physical danger can result in higher premiums or flat extras.

  • Pilots (especially helicopter pilots or crop dusters)
  • Loggers
  • Commercial fishermen (especially in dangerous waters like Alaska)
  • Roofers and structural steel workers
  • Underground miners
  • Police officers and firefighters (though some carriers specialize in or offer programs for first responders)
  • Military personnel (especially those in combat roles or with upcoming deployments)

The team at Insurance By Heroes, with backgrounds in public service including first response and the military community, has a deep appreciation for the risks associated with these professions. We understand the importance of securing coverage despite occupational hazards and know how to navigate carrier options for those in high-risk jobs.

Driving Record

A history of reckless driving raises concerns about accidental death.

  • Multiple Moving Violations: Numerous speeding tickets or other violations in recent years (typically the last 3-5 years).
  • Serious Infractions: Reckless driving charges, license suspensions.
  • DUI/DWI Convictions: A single recent DUI/DWI (within the last 5 years) will likely result in substandard rates or postponement. Multiple convictions make securing standard coverage very difficult, often requiring waiting 7-10 years post-conviction.

Other Factors

  • Age: While not a “risk factor” in the same way as a health condition, age is the primary driver of life insurance cost. Applying when you are younger and healthier generally results in lower premiums. Being older automatically means higher base premiums, and when combined with other risk factors, can make coverage significantly more expensive.
  • Family History: Early onset (before age 60-65) of certain hereditary conditions like heart disease, stroke, or specific cancers in immediate family members (parents, siblings) can sometimes impact rates, though usually less significantly than personal health history.
  • Foreign Travel or Residence: Plans to travel or live in countries considered dangerous by the U.S. State Department can affect eligibility or premiums.

It’s crucial to reiterate that having one or more of these factors doesn’t guarantee you’ll be declined. It means the underwriting process will be more detailed, and the outcome will likely involve higher premiums or specific policy structures. Crucially, how one insurer weighs a specific combination of factors can differ vastly from another. An independent agency like Insurance By Heroes is invaluable here, as we can identify carriers whose underwriting guidelines may be more favorable for your specific circumstances.

How High-Risk Status Impacts Your Life Insurance Options

Being classified as high-risk by life insurance underwriters primarily affects the cost and, sometimes, the type or amount of coverage available to you. Here’s a breakdown of the potential impacts:

Higher Premiums

This is the most direct consequence. Insurers compensate for the increased risk by charging more for the coverage. The extent of the premium increase depends on the nature and severity of the risk factors. Instead of qualifying for Preferred or Standard rates, high-risk applicants typically fall into “substandard” rate classes.

Table Ratings

Insurers often use a system called table ratings to assign premiums for substandard risks. This system typically involves adding a percentage surcharge to the standard premium rate. Common systems use letters (e.g., Table A through Table H or J) or numbers (e.g., Table 1 through Table 8 or 10). Each table represents an additional percentage increase above the standard rate, usually 25% per table.

  • Table A / Table 1: Standard premium + 25%
  • Table B / Table 2: Standard premium + 50%
  • Table C / Table 3: Standard premium + 75%
  • Table D / Table 4: Standard premium + 100% (double the standard premium)
  • And so on…

The specific table rating assigned depends on the underwriting assessment of your overall risk profile. A well-managed chronic condition might result in a low table rating (e.g., Table B), while a more serious condition or combination of factors could lead to a higher rating (e.g., Table F or H).

Flat Extras

In some cases, particularly for temporary risks or risks associated with specific activities (like a hazardous hobby or occupation), insurers might add a “flat extra.” This is an additional fixed dollar amount charged per $1,000 of life insurance coverage, typically for a set number of years or sometimes for the life of the policy.

For example, an underwriter might approve an application at Standard rates but add a flat extra of $5 per $1,000 of coverage for 5 years due to participation in a risky hobby. For a $250,000 policy, this would mean an extra $1,250 per year ($5 x 250) for the first five years, in addition to the standard premium.

Reduced Coverage Amounts

Occasionally, an insurer might be willing to offer coverage but only up to a certain maximum death benefit amount for high-risk applicants. They might be comfortable insuring a $250,000 risk but not a $1,000,000 risk on the same individual.

Policy Exclusions

While less common for health-related risks in standard life insurance, exclusions might be applied for deaths arising directly from specific high-risk activities. For example, a policy issued to a private pilot might include an aviation exclusion, meaning the death benefit wouldn’t be paid if death occurred while piloting a private aircraft (though coverage would apply for other causes of death). These are more common in Accidental Death & Dismemberment (AD&D) policies but can occasionally appear in life insurance for specific risks.

Potential for Decline

In cases where the risk factors are deemed too severe or numerous, an insurance company might decline the application altogether. This is why it’s so important not to get discouraged by a single denial. Different companies have different thresholds for risk tolerance. An application declined by one carrier might be approved (though likely rated) by another. This is a primary reason to work with Insurance By Heroes; if one carrier says no, we have many others to approach.

Understanding these potential outcomes helps set realistic expectations. The goal is to find the best possible offer, balancing the need for coverage with affordability. An experienced independent agent plays a critical role in navigating these possibilities and advocating for you during the underwriting process.

Life Insurance Options for High-Risk Individuals

Even with a high-risk classification, several types of life insurance may still be available. The best option depends on your specific risk factors, coverage needs, budget, and tolerance for the underwriting process.

Fully Underwritten Life Insurance (Term or Permanent)

This is the standard type of life insurance, requiring a detailed application, medical exam, and full review of medical records (APS). While the underwriting is thorough, it offers the potential for the highest coverage amounts and the lowest possible premiums *for your specific risk class*. Even if you are rated substandard (e.g., Table B or Table D), a fully underwritten policy might still be more cost-effective per $1,000 of coverage than simplified or guaranteed issue options.

  • Term Life: Provides coverage for a specific period (e.g., 10, 20, 30 years). It’s typically the most affordable option for obtaining a large death benefit, making it suitable for covering temporary needs like mortgages or income replacement during working years. High-risk applicants can often still qualify, albeit with higher premiums based on their table rating or flat extras.
  • Permanent Life (Whole Life, Universal Life): Provides lifelong coverage as long as premiums are paid. These policies also include a cash value component that grows over time on a tax-deferred basis. Premiums are significantly higher than term life, especially for high-risk individuals, but they offer permanence and cash value accumulation.

Applying for fully underwritten coverage is often the best starting point, even for high-risk individuals, as it provides the most comprehensive assessment and potentially the best value if approved. Again, different carriers may offer different table ratings for the same condition, making comparison shopping essential. Insurance By Heroes excels at comparing these fully underwritten offers from multiple carriers.

Simplified Issue Life Insurance

Simplified issue policies do not require a medical exam, but they do involve answering several health-related questions on the application. Insurers will still check databases (like the MIB and prescription history). Approval is faster than fully underwritten policies. However, because the insurer has less information, the premiums are generally higher than a fully underwritten policy for the same coverage amount, and the maximum available death benefit is typically lower (often capping around $300,000 to $500,000, though sometimes higher).

This can be a good option for individuals with moderate health issues who want to avoid a medical exam or need coverage quickly, but it’s generally more expensive than fully underwritten coverage if you can qualify for the latter, even with a substandard rating.

Guaranteed Issue (GI) Life Insurance

Guaranteed issue policies are designed for individuals who may not qualify for other types of life insurance due to severe health conditions. Acceptance is guaranteed within certain age limits (typically 50-85), with no medical exam and no health questions asked.

However, GI policies come with significant trade-offs:

  • Very High Premiums: The cost per $1,000 of coverage is substantially higher than other types of life insurance.
  • Low Coverage Amounts: Death benefits are usually small, typically ranging from $5,000 to $25,000, sometimes up to $50,000. They are primarily intended to cover final expenses like burial costs or small debts.
  • Graded Death Benefit: This is a crucial feature. Most GI policies have a 2-3 year waiting period. If the insured dies from natural causes (illness) during this initial period, the policy typically only pays out a return of the premiums paid, sometimes with interest (e.g., 10%). Only after the waiting period does the full death benefit become payable for death from any cause (accidental death is often covered from day one).

Guaranteed issue life insurance should generally be considered a last resort when other options are unavailable due to significant health impairments. While it provides a safety net for final expenses, its limitations and high cost make it unsuitable for substantial income replacement or debt coverage needs.

Accidental Death & Dismemberment (AD&D) Insurance

AD&D is often confused with life insurance, but it’s fundamentally different. It only pays a benefit if death occurs as a direct result of an accident. It does *not* pay for deaths caused by illness, disease, or natural causes (which account for the vast majority of deaths). Some policies also pay partial benefits for specific non-fatal injuries resulting from accidents (dismemberment). Because the coverage is limited to accidents, AD&D premiums are typically low, and underwriting is minimal or non-existent. It can be a supplemental coverage but should *never* be considered a substitute for comprehensive life insurance, especially for high-risk individuals whose primary concern might be health-related.

Choosing the right type of policy requires careful consideration of your health, budget, and coverage goals. An independent agent can explain the pros and cons of each option in the context of your specific high-risk situation and guide you towards the most suitable choice by comparing offers across the many carriers Insurance By Heroes represents.

Strategies for Finding Affordable High-Risk Life Insurance

Securing life insurance when you’re considered high risk requires a proactive and informed approach. While premiums will likely be higher than standard rates, several strategies can help you find the best possible coverage at the most competitive price available for your situation.

1. Work with an Experienced Independent Agent (Like Insurance By Heroes)

This is arguably the single most important strategy. Here’s why:

  • Access to Multiple Carriers: Independent agents aren’t tied to one company. Insurance By Heroes works with dozens of top-rated life insurance carriers. This allows us to shop the entire market relevant to your risk profile.
  • Knowledge of Underwriting Niches: We understand that different insurers specialize in or are more lenient towards certain risks. Carrier A might be best for well-controlled diabetes, Carrier B might be more favorable for pilots, and Carrier C might have better rates for individuals with a history of depression. We use this knowledge to target the carriers most likely to offer you the best possible rating.
  • Pre-Screening/Informal Inquiries: We can often conduct anonymous preliminary inquiries with underwriters at various companies based on your health profile. This gives us an idea of potential offers *before* you formally apply, saving you time and avoiding unnecessary formal declines on your record (which other insurers can see via the MIB).
  • Application Guidance: We help you present your information accurately and completely on the application, highlighting mitigating factors (like compliance with treatment, lifestyle changes, safety precautions for hobbies/jobs).
  • Advocacy: We act as your advocate during the underwriting process, communicating with the underwriter to clarify information and negotiate for the best possible offer.
  • Understanding Your Needs: Especially given our background rooted in public service (first responders, military families), the team at Insurance By Heroes understands the importance of protecting loved ones when facing inherent risks, whether from occupation or health. We bring empathy and dedication to finding solutions.

2. Focus on Improving Health and Lifestyle Factors (If Possible)

While some risk factors are unchangeable (like a past cancer diagnosis), others can be managed or improved.

  • Quit Smoking/Tobacco: This offers the most significant potential premium savings. After being nicotine-free (including vaping) for at least 12 months, you may qualify for non-smoker rates. Longer periods (3-5 years) can lead to even better non-smoker rate classes.
  • Manage Chronic Conditions: Demonstrating good control of conditions like diabetes (stable A1C), high blood pressure (consistent readings in a healthy range), or sleep apnea (documented CPAP compliance) can lead to significantly better underwriting offers. Regular doctor visits and adherence to treatment plans are key.
  • Lose Weight: If obesity is a factor, achieving and maintaining a lower BMI can improve your risk classification.
  • Moderate Alcohol Use: Reducing consumption to moderate levels can alleviate insurer concerns.
  • Address Mental Health: Consistent treatment, therapy, and medication adherence for conditions like depression or anxiety can demonstrate stability to underwriters.

Even if you apply now, improving these factors can allow you to seek reconsideration or apply for a new policy with better rates in the future.

3. Mitigate Hobby/Occupation Risks

If a dangerous hobby or job is increasing your rates via a flat extra, demonstrate safety measures. For instance, a pilot having an instrument rating and significant flight hours, or a scuba diver with advanced certifications and adherence to depth limits, might be viewed slightly more favorably or help avoid outright exclusions.

4. Be Completely Honest on Your Application

It might be tempting to omit information or downplay a condition, but this is a serious mistake. Insurers have access to extensive databases (MIB, prescription history, driving records) and will likely uncover inconsistencies. Misrepresentation or fraud can lead to your application being declined, a policy being rescinded (cancelled) later, or worst of all, a claim being denied when your family needs it most. Working with an agent helps ensure you disclose everything properly while still presenting your case in the best possible light.

5. Consider the Coverage Amount Carefully

While you want adequate protection, applying for only the amount of coverage you truly need can make higher premiums more manageable. Use a needs calculator or discuss with your agent to determine an appropriate death benefit based on debts (mortgage, loans), income replacement needs, final expenses, and future obligations (like college tuition).

6. Explore Policy Structure Options

Sometimes layering policies can be effective. For example, you might secure a smaller permanent policy for final expenses and lifelong needs, combined with a larger, more affordable term policy to cover income replacement during your working years.

7. Re-evaluate Your Policy Periodically

If your health improves significantly, you quit smoking, or a temporary risk factor expires (like a flat extra period), it may be worthwhile to shop for new coverage or ask your current insurer for reconsideration after a few years. An independent agent can help you monitor the market and identify opportunities for better rates.

Finding affordable high-risk life insurance takes diligence, but it’s often achievable with the right strategy and expert guidance. Partnering with an independent agency like Insurance By Heroes significantly increases your chances of success by leveraging market access and underwriting expertise.

The High-Risk Life Insurance Application and Underwriting Process

Applying for life insurance as a high-risk individual involves a more intensive underwriting process compared to standard applicants. Insurers need detailed information to accurately assess the elevated risk. Here’s what you can generally expect:

1. Detailed Application

The application form will be comprehensive, asking detailed questions about:

  • Personal Information: Name, address, date of birth, income, net worth.
  • Coverage Details: Type of policy, desired death benefit amount, beneficiary designations.
  • Health History: Specific questions about diagnosed medical conditions, surgeries, hospitalizations, medications (dosage, frequency, prescribing doctor), dates of diagnosis and treatment. Expect targeted questionnaires for specific conditions like diabetes or heart disease.
  • Family History: Health status and causes of death for immediate family members (parents, siblings), particularly focusing on early onset of heart disease, stroke, cancer, or diabetes.
  • Lifestyle: Smoking/tobacco use (current and past), alcohol consumption, drug use history, participation in hazardous hobbies or sports.
  • Occupation: Job title, specific duties, exposure to hazards.
  • Driving Record: Questions about recent tickets, accidents, DUIs/DWIs, license suspensions.
  • Other Insurance: Details of any existing or recently applied-for life insurance policies.

Accuracy and completeness are paramount. Your agent can help ensure you answer truthfully and thoroughly.

2. Medical Examination (Paramedical Exam)

For most fully underwritten policies (even high-risk ones, unless applying for simplified/guaranteed issue), a medical exam is required. This is typically conducted by a licensed paramedical examiner at your home or office, at the insurer’s expense. It usually involves:

  • Measuring height, weight, and blood pressure.
  • Collecting blood and urine samples (for analysis of cholesterol, blood sugar/A1C, nicotine, drugs, liver/kidney function, etc.).
  • Asking questions to confirm information provided on the application regarding health history and lifestyle.
  • Depending on age and coverage amount, an EKG (Electrocardiogram) might also be required.

3. Attending Physician Statement (APS)

In nearly all high-risk cases, the insurance company will request medical records directly from the doctors, specialists, clinics, and hospitals you’ve visited, often going back 5-10 years or more. You will sign an authorization form allowing them to do this. The APS provides the underwriter with detailed clinical notes, test results, treatment plans, and physician assessments related to your health conditions. Delays in obtaining APS records are a common reason for longer underwriting times.

4. Database Checks

Insurers routinely check several third-party databases:

  • MIB (Medical Information Bureau): A non-profit information exchange for member insurance companies. It holds brief, coded information about medical conditions or hazardous activities reported on previous individual life or health insurance applications. Insurers use it to prevent fraud and cross-check information.
  • Prescription Database Check: Verifies medications you have been prescribed, which can indicate health conditions even if not fully disclosed.
  • Motor Vehicle Report (MVR): Provides details of your driving record, including violations, accidents, and DUI/DWI convictions.

5. Underwriting Review

An underwriter at the insurance company reviews all the collected information: the application, exam results, APS records, and database reports. They assess your overall risk profile against the company’s specific guidelines. This stage involves careful analysis, and the underwriter might request additional information or clarification.

6. Underwriting Decision and Offer

Based on the review, the underwriter makes a decision:

  • Approve as Applied: Unlikely for high-risk, but means offered standard or better rates.
  • Approve with Modifications (Rated Offer): The most common outcome for high-risk applicants who are approved. This involves a substandard table rating, a flat extra, or sometimes a reduced coverage amount. The insurer will present a formal offer detailing the premium and any special conditions.
  • Postpone: The insurer may decide to delay a decision for a set period (e.g., 6-12 months) if a condition is unstable, treatment is ongoing, or more time is needed post-event (like recent surgery or DUI).
  • Decline: If the risk is deemed too high based on the insurer’s guidelines, the application will be formally declined.

7. Policy Issue and Delivery

If you accept an approved offer (including a rated one), you’ll pay the initial premium, and the policy documents will be issued and delivered to you, often through your agent. There’s usually a “free look” period (10-30 days) during which you can review the policy and cancel for a full refund if you change your mind.

The underwriting process for high-risk cases typically takes longer than for standard applicants – often ranging from 6 to 12 weeks, sometimes even longer if obtaining medical records proves difficult. Patience is key. An independent agent like those at Insurance By Heroes will keep you informed throughout the process and manage communication with the underwriter, working to achieve the best possible outcome.

Why Choose Insurance By Heroes for Your High-Risk Needs?

Navigating the complexities of high-risk life insurance requires more than just filling out forms; it demands expertise, access, and advocacy. Insurance By Heroes is uniquely positioned to assist individuals facing these challenges.

Our foundation sets us apart. Founded by a former first responder and military spouse, and staffed by professionals with backgrounds in public service, we have a firsthand understanding of risk, duty, and the paramount importance of protecting one’s family. This perspective fuels our commitment to serving our clients, especially those in high-risk categories due to occupation, health, or lifestyle.

As a fiercely independent agency, we are not beholden to any single insurance carrier. We partner with dozens of the nation’s top-rated life insurance companies. This extensive network is our strength and your advantage. It allows us to:

  • Shop the Market Comprehensively: We compare offers from multiple carriers, seeking out those whose specific underwriting guidelines are most favorable to your unique situation.
  • Leverage Niche Expertise: We know which carriers tend to offer better rates for specific conditions like diabetes, heart history, certain cancers in remission, high-risk occupations, or even specific hobbies.
  • Provide Personalized Guidance: We take the time to understand your specific circumstances, needs, and budget to recommend the most suitable policy types and coverage amounts.
  • Advocate on Your Behalf: We manage the application process, communicate directly with underwriters, and work diligently to secure the best possible offer, even in complex cases.
  • Offer Transparency: We explain the process, potential outcomes, and the details of any offers received, empowering you to make informed decisions.

We believe that everyone deserves the opportunity to secure financial protection for their loved ones. A high-risk classification presents hurdles, but it doesn’t close the door. With Insurance By Heroes, you gain a dedicated partner committed to exploring every available avenue to find the coverage you need.

Take Control of Your Family’s Financial Security Today

Being labeled “high risk” for life insurance doesn’t mean you have to abandon the goal of protecting your family’s financial future. While the path might require more careful navigation, options are often available, and finding the right coverage is possible with expert guidance.

You’ve learned about the factors insurers consider, how risk affects premiums and policy types, and strategies for improving your chances of approval at the best possible rate. Most importantly, you know that you don’t have to face this complex market alone.

The dedicated team at Insurance By Heroes is ready to put our experience, market access, and commitment to work for you. We understand the concerns that come with high-risk classifications because service and managing risk are part of our background. Because we are an independent agency working with numerous top carriers, we can objectively search for the policy that truly fits your individual needs and circumstances, rather than trying to fit you into a single company’s limited options.

Don’t let uncertainty prevent you from taking action. Get the clarity and support you need. Take the first step towards securing peace of mind for yourself and your loved ones.

Fill out our secure online quote form now. Let the experienced professionals at Insurance By Heroes analyze your situation and shop the market to find the best high-risk life insurance solutions available for you. Your family’s security is worth the effort.