What is High Risk Life Insurance, and Who Qualifies for It?

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What is High Risk Life Insurance, and Who Qualifies for It?

April 28
22:49 2022

If one has ever went to an insurance company to buy insurance, then they might know about the numerous questions they ask related to the age, health, occupation, and hobby of the applicant. The purpose behind those questions is to find out the best insurance policy suited for that person. If one notices that their insurance charges are higher than normal, then it means their insurance provider has qualified them as a high-risk individual.

An interviewed was done with Laura Adams, Insurance & Finance Analyst at Clearsurance, to get to know more about higher risk life insurance policies and what makes one qualify for them. Laura Adams is one of the nation’s leading finance, insurance, and small business authorities, and here is some of her insight about High-risk life insurance policies.

What is High-Risk Life Insurance?

Any life insurance plan that is rated lower than the “normal” health classification qualifies as a “high-risk” policy. Insurers use the high-risk label for a variety of reasons, including the applicant’s health history, such as poor health or any underlying medical condition, lifestyle, occupation, such as fishermen or construction workers, high-risk hobbies like skydiving, hunting, etc., or even travel to certain foreign countries.

What Makes One Qualified for High-Risk Life Insurance?

To determine who qualifies for high-risk life insurance, insurance providers ask a series of questions related to the following categories:

#1: Occupations

One’s occupation is taken into account by life insurance companies when determining the level of risk they experience daily. Underground miners, steelworkers, construction workers, and commercial fishermen are examples of high-risk occupations.

The risk and death rates of high-risk occupations are calculated by life insurance providers.

#2: Health Risks

Life insurance companies determine whether one is a high-risk individual or not by checking their medical history as well as their family’s.

The following are the health conditions that are considered high-risk

– Cancer
– Heart Diseases
– Stroke
– Dementia
– Crohn’s Disease
– Organ Transplant
– Kidney Disease
– High Cholesterol
– Smoking Cigarette
– Chewing Tobacco

#3: Hobbies

One is most likely in the high-risk category if they consider themselves a thrill-seeker. Scuba diving, mountaineering, skydiving, and motorcycle racing are among potentially risky hobbies that insurance companies want to know about.

Furthermore, a large number of people go to different countries to pursue their high-risk activities, which are frowned upon by many insurance providers.

Unless the applicant chooses an insurance company that specializes in life insurance for those with high-risk hobbies, any of these high-risk activities can result in a rated coverage.

#4: Lifestyle

Insurance providers also analyze one’s lifestyle before determining their insurance policy. Even if they have no medical problems or a family history of sickness, their habits could put them at high risk.

If their lifestyle includes high consumption of alcohol, smoking tobacco and cigars, and use of other drugs, then they are qualified for a high-risk insurance policy. 


High-risk life insurance rates are generally higher, but if one wants to get an affordable insurance, they might need to reduce the risk associated with their insurance. For starters, they can try to improve their health by takin medications regularly or by quitting bad habits such as smoking, drinking, etc.

For more information and to get the insurance quotes, dial 1-888-635-0013 right away! 

Media Contact
Company Name: Clearsurance
Contact Person: Laura Adams
Email: Send Email
Country: United States
Website: https://clearsurance.com/

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