High risk life insurance is our specialty and our passion. Everyone deserves to be insured.
We work with over 50 life insurance companies and get the best and most affordable policy for you regardless of your health. No physical or medical exam is required.
We need some basic information about you to get started. You can fill out our online form to request a quote or call us at 800-611-7418. We will contact you by phone or email to determine the insurance policy that's best for you. In only rare cases will you need to be seen in person by one of our licensed insurance agents.
Yes. We can get you a life insurance policy regardless of health. You can have cancer, diabetes, HIV, a heart condition, or you smoke or are overweight, and we can get you a policy. The exception is a medical condition that is expected to result in death within 2 years.
Absolutely. We deal with over 50 life insurance companies across the USA. We'll get you the most suitable and affordable policy.
Yes. However, an insurance policy can not be secured in cases where a medical condition is expected to result in death within 24 months.
Yes. But we can't get you one in cases of a health condition expected to result in death in 2 years.
Maybe. It depends. We are unable to get life insurance for medical conditions that are expected to result in death within 24 months. Otherwise we should be able to get you life insurance.
In general, we can get life insurance for anyone between 18 and 80 years old. Depending on what state you live in, we can get life insurance for those as young as newborns and up to age 95.
Often yes. For us to make a determination you need to contact us or request a quote online.
In general, we can get life insurance for those up to 80 years old. Depending on what state you live in, and your health, we can get life insurance for those up to age 95.
Depending on your state of residence, we can get life insurance for your baby and children.
Usually about 2 to 3 weeks, sometimes faster, sometimes a little slower.
There is no limit, but for people with significant health issues, generally speaking under $100,000 and starting at $2,000.
| Gender | Age | Condition | Coverage | Type | Cost/Month |
|---|---|---|---|---|---|
| Female | 34 | HIV+ | $15K | Term | $34.95 |
| Female | 56 | Severe Asthma Hospitalized 7 Times in the Last Year |
$15K | Term | $34.95 |
| Female | 55 | COPD & Oxygen | $20K | Whole | $78.95 |
| Female | 59 | Currently Being Treated for Cancer | $20K | Whole | $87.80 |
| Female | 88 | Good Health | $2,500 | Whole | $21.59 |
| Female | 56 | Good Health | $250K | Whole | $220.56 |
| Male | 34 | Currently Being Treated for Cancer Working at Least 20 Hours a Week |
$100K | Term | $68.75 |
| Male | 46 | Multiple Sclerosis | $50K | Whole | $117.48 |
| Male | 42 | HIV+ | $50K | Whole | $248.27 |
For most life insurance companies you do, although a small number do monthly billing and accept credit cards.
Modell Brokerage and GetLifeInsuranceNow have the most expertise and the largest number of life insurance companies in the high risk specialty area. If you can find a better alternative, we support that. We want you to get the best life insurance policy for you and your family. Learn more about us.