What Is High Risk Life Insurance? 
High risk life insurance is coverage issued to persons who have a risk of passing away at a younger age than the general population . None of the policies I sell classify high risk based on occupation . A corrections officer can get the same rate as a business owner , as long as their health is the same . Some high risk policies cater to those who are overweight . Some target certain health conditions . Some are more favorable than other companies for those who have gone through treatment for substance abuse , regularly travel to foreign countries , participate in dangerous hobbies , or have unstable finances . To find the policy that best suits your particular kind of high risk , contact an impaired risk specialist such as myself . We have access to many different companies and can match you up with the one that is most lenient with your unique risk factors . 