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Every life insurance company has “underwriting niches” with certain health and lifestyle risk factors. They also set and charge rates based on their own claims experience history. Some life insurance companies are more lenient with diabetics, or applicants age 60 and above, while other companies offer competitive rates only to those who are young and healthy. For example, some companies will not insure a diabetic above age 65, whereas other insurers will. If you are in excellent health, have some health issues, or considered “high-risk”, we can help. We specialize in finding the most affordable life insurance for anyone between the ages of 30-80, regardless of health. By having access to so many top-rated carriers, we can usually find the best life insurance company for your needs.