Life insurance for people who've been told "no."
DUI on your record? Smoke cigars? Love skydiving? We specialize in finding coverage for high-risk individuals — with real options from 30+ carriers.
High-Risk Life Insurance
Specialized coverage for unique situations. We've helped thousands find affordable rates.
Best Life Insurance Companies After a DUI (2026 Ranked)
Ranked list of carriers that approve DUI applicants. Carrier-specific underwriting guidelines, rate tables by years since DUI, and tips from brokers.
Read guide → high riskBest Life Insurance Companies for Cigar Smokers (2026)
Ranked list of carriers that offer non-smoker rates to cigar smokers. See which companies allow 12/year, 1/month, and how much you'll actually save.
Read guide → high riskBest Life Insurance Companies for Heart Disease (2026)
Which carriers approve applicants with heart disease? Carrier-by-carrier underwriting guidelines for AFib, stents, bypass, heart attacks, and CHF.
Read guide → high riskBest Life Insurance Companies for Diabetics (2026)
Carrier-by-carrier breakdown of diabetes underwriting guidelines. See which companies offer the best rates by A1C level, diabetes type, and medication.
Read guide → high riskBest Life Insurance Companies for Overweight Applicants (2026)
Compare life insurance carriers by BMI limits and build charts. See which companies offer the best rates for overweight and obese applicants.
Read guide → high riskBest Life Insurance Companies for Scuba Divers (2026)
Which life insurance companies offer the best rates for scuba divers? Ranked by how they treat depth, certification, and dive frequency in underwriting.
Read guide →How Much Life Insurance Do You Need?
Our mortgage life insurance calculator helps you determine exactly how much coverage your family needs — factoring in your mortgage, income, and dependents.
Use the CalculatorCoverage Guides
Find the right amount and type of coverage for your needs.
$250,000 Life Insurance: Monthly Cost, Coverage Guide & Best Options
Find out how much a $250,000 life insurance policy costs by age. Compare term vs whole life at $250K and see which carriers offer the cheapest rates.
Read guide → coverage amounts$500,000 Life Insurance: Cost, Coverage & How to Buy
How much does a $500,000 life insurance policy cost? See rates by age, compare carriers, and learn if half a million in coverage is enough for your family.
Read guide → coverage amountsMillion Dollar Life Insurance: How Much It Costs & How to Qualify
A $1 million life insurance policy costs less than you think. See monthly rates by age, learn qualification requirements, and compare your best options.
Read guide → shoppingBest Life Insurance Companies: Top Carriers Ranked
Compare the best life insurance companies by price, ratings, and customer satisfaction. Find the right carrier for your needs with our honest rankings.
Read guide → shoppingCheap Life Insurance: How to Find the Lowest Rates
Find affordable life insurance without sacrificing coverage. Compare strategies, carriers, and tips to get the cheapest life insurance rates available.
Read guide → shoppingGet a Free Life Insurance Quote
Compare life insurance quotes from top carriers. No medical exam options available. Get personalized rates in under 2 minutes.
Read guide →Ready to Find Your Coverage?
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