What Is High Risk Life Insurance? 
Great question ! High risk life insurance is a type of policy that is generally issued to people who have health conditions -LRB- like HIV -RRB- or occupations -LRB- firefighter , oil rig wildcat , for example -RRB- that are above the normal risk tolerance for the normal insurer . They might also be issued to people that are incarcerated . These policies will generally be more expensive , and will often have a period of time included where the death benefit may only be the premiums paid in , plus a little interest . They are designed to help those that ca n't find it anywhere else . If you would like more information , please feel free to contact me , okay ? Thanks for asking ! 