You can still qualify for life insurance if you're a high-risk applicant. Discover what makes an applicant considered high-risk and what policies Aflac offers.
If you have a pre-existing medical condition or work in a dangerous job, you might need to take out high-risk life insurance to make sure you’re covered.
Discover and compare the best life insurance quotes. Protect your family's future and give yourself peace of mind.
Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate life insurance products to write unbiased product reviews. Ethos Life Insurance was founded in 2016, offering affordable term life and guaranteed whole life insurance. Although it is relatively new to the life insurance industry, Ethos sells insurance policies from long-standing carriers. ...
Our guide to life insurance quotes allows you to compare quotes online and gives you the information to understand what affects a life insurance quote.
Comparing life insurance quotes is an effective way to find the best life insurance for your needs. Learn how to navigate getting life insurance quotes.
Consider homeowners insurance coverage from these four companies if you live in a high-risk home.
Add income. The golden rule is to buy a policy that can replace your income and cover your family’s cost of living for five to 10 years. To do this, multiply your salary by five or 10. ; Add financial responsibilities. Include the costs of all of your expenses now and any future expenses you can expect, including childcare, mortgage, car payments or even college tuition. ; Add final expenses. Tally up the cost of your end-of-life arrangements such as burial costs.
Key Takeaways: ; You may need supplemental life insurance if your employer’s group life insurance coverage doesn’t meet your needs. This type of insurance can cover the policyholder, spouses, and children. ; Supplemental life insurance is purchased in addition to a standard life insurance policy and is usually available through an employer’s benefits package or directly from an insurer. ; Buying supplemental life insurance through your employer is often cheaper because they tend to negotiate lower rates than an individual buying privately. However, coverage options may vary.
Bankrate explores life insurance options if you’re considered a high-risk applicant.