Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Oct 29, 2021

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The Brief

  • Impaired risks are factors that life insurance companies consider when reviewing an application
  • Rates are typically higher for those with impaired risks, though you can work to lower your risk and get better rates later
  • Those with a high level of risk may want to consider no-exam life insurance

Life insurance is one of the best ways to provide for your loved ones after you pass away. The right life insurance policy can cover funeral expenses, pay off mortgages, and make up for lost income.

It’s not always easy finding affordable options for life insurance, however. If you have a medical condition or work a dangerous job, you might struggle to find a company willing to insure you.

A life insurance impaired risk specialist will work with you, but you have to know where to find them. Additionally, no-exam life insurance is another option to explore when traditional life insurance policies won’t cover you.

Life insurance companies that cover impaired risks are out there, you just have to find the right one for you. To see life insurance quotes available in your area, enter your ZIP code into our free tool above to get started.

Which life insurance companies cover impaired risk?

In general, the healthier you are, the better rates you’ll be offered when you buy life insurance.

If you have a pre-existing condition, you’re not automatically ineligible for life insurance, but it will affect the rates and products you’re offered.

Insurance companies categorize customers by their risk levels. For example, a perfectly healthy person with no dangerous hobbies and no family history of bad health would be categorized as “Preferred Select.”

They will have access to the most products at the best rates.

Risk Levels by Demographic and Medical History
OptionDemographicMedical History
Preferred SelectNonsmokers in great healthNo medical conditions in family history
PreferredNonsmokers in great health, minor health conditionMinor health issues in family history
Standard PlusNonsmokers in good health, a few minor conditionsA few minor conditions in family history
StandardNonsmokers with average healthAverage health conditions in family history
Preferred SmokerSmokers in great healthNo health conditions in family history
Standard SmokerSmoker with good healthMinor medical conditions in family history
Table RatingA separate category for high-risk people
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Table ratings are sorted by the level of perceived risk, and the levels are usually represented by numbers or letters (1, 2, 3, 4, or A, B, C, D, for example).

Nobody wants to find out they’ve been given a table rating, but it doesn’t mean the end of your life insurance dreams. You’ll still be able to find coverage.

Not all impaired risks are medical. While impaired risk life insurance companies treat every condition differently, here is a list of risks that could negatively affect your life insurance quotes:

High Risk Conditions and Lifestyles
CancerAlcohol abuse
DiabetesTobacco use
Heart DiseaseAviation (Occupational or hobby)
Anxiety, Depression, other mental disordersHigh-risk hobbies (skydiving, scuba diving, etc.)
Family history of cancer or cardiac arrest before 60Marijuana/drug use
Hepatitis CDUIs and reckless driving
ObesityCriminal activities
StrokeTravel to high risk areas
High blood pressureDangerous jobs (logging, truck driving, etc.)
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Some risks might cause most companies to deny you coverage outright while others won’t. Each company treats treat these differently, but common conditions that might get you denied are current cancer treatment, HIV/AIDS, cirrhosis, kidney dialysis, a recent heart attack, or suicide attempts.

Which are the best companies for impaired risk?

If you know you’ll receive a table rating, you might want to cut right to the chase and look for affordable life insurance companies that cover impaired risk.

The good news is that most life insurance companies will work with impaired risks. It’s possible to get life insurance for stroke patients and many others with medical conditions. You’ll need to shop around — particularly if your risk is high — but finding a policy isn’t impossible.

One way to get around shopping for policies is to consider life insurance that doesn’t require a medical exam.

You can buy simplified issue life insurance, which requires no medical exam, or guaranteed issue life insurance, which asks nothing at all.

Some of the best companies that offer no-exam life insurance are:

Impaired Risk Insurance Providers
CompanyType of InsuranceAgeMax CoverageBenefits
AIGGuaranteed issue life50-85Up to $25,000Rates do not increase during the term
AmericoGuaranteed issue life50-80$2,000 - $30,000Accidental death offers a full payout from effective date
Fidelity LifePermanent whole life50-85Up to $20,000No medical questions or exams required
GerberGuaranteed acceptance life50-80$5,000 - $25,000Cash value accumulation
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There are some drawbacks to policies that don’t require medical exams (namely, the coverage is low), but this is an excellent option if you can’t get anything else.

Which companies have the best plans for specific risks?

Sometimes life insurance companies are willing to work directly with specific impaired risks. These include:

  • John Hancock – Works with people diagnosed with Type I and II diabetes
  • Prudential – Considers applicants with an HIV diagnosis
  • Fidelity Life – Offers coverage for cancer patients, though the type, treatment, and stage might affect your eligibility
  • Guardian Life – Provides whole life insurance for HIV diagnosis

When it comes to dangerous professions, some life insurance companies that don’t cover impaired risk simply will not write policies for certain careers. For example, Haven Life won’t cover active military members, while Prudential will.

If you work a dangerous job, it’s best to shop around and compare life insurance rates with multiple companies that cover impaired risk. The same goes for dangerous hobbies.

You could have the safest job out there, but insurance companies aren’t going to like it if you spend your weekends jumping out of a plane. Dangerous hobbies include:

  • Skydiving
  • Aviation
  • Mountain climbing
  • Race driving
  • Bungee jumping
  • Scuba diving
  • Water sports (boat racing, surfing, etc.)

The good news for those with dangerous activities is that you can usually have a regular plan with a flat extra fee attached to it. Some companies offer specific insurance for enthusiasts, such as skydiving insurance.

These policies cost more than policies for people who don’t engage in adrenaline-pumping activities.

You should always let your insurance company know that you engage in those activities. Your claim can be denied if the company finds out you lied or failed to disclose something on your application.

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Can impaired risk life insurance brokers help you find coverage?

There are a lot of variables when it comes to getting life insurance. The way applicants are rated differs so much from company to company that it would take a long time to sort through that alone.

For example, which class would a 46-year-old, prediabetic woman with no other medical issues but a history of heart disease in her family be in?

Or how about a 32-year-old man that occasionally suffers from depression and likes to surf?

This is where life insurance impaired risk specialists can help. They have insider information to help clients find the right policy for them.

There are plenty of ways for people with impaired risks to get life insurance coverage to protect their loved ones.

Ready to explore life insurance companies that cover impaired risk? Enter your ZIP code in our free tool below to get free life insurance quotes today.