Best Life Insurance Policies for High-Risk Individuals (2025 Guide)

USINGLEAGUE 2.0

 

 

 Life insurance is a crucial financial safety net, but securing coverage can be challenging if you're considered a high-risk individual. Whether due to pre-existing medical conditions, dangerous occupations, risky hobbies, or a history of smoking, high-risk applicants often face higher premiums or even policy denials.

Fortunately, some insurers specialize in covering high-risk individuals at competitive rates. In this 2025 guide, we’ll explore the best life insurance policies for high-risk individuals, top providers, and strategies to secure affordable coverage.
What Makes Someone a High-Risk Life Insurance Applicant?

Insurance companies assess risk based on several factors:

    Pre-existing health conditions (e.g., diabetes, heart disease, cancer)

    High-risk occupations (e.g., firefighters, pilots, construction workers)

    Dangerous hobbies (e.g., skydiving, scuba diving, rock climbing)

    Tobacco or nicotine use

    Poor driving record (DUIs, speeding tickets)

    Obesity or high BMI

If you fall into any of these categories, you may need a specialized life insurance policy.
Best Life Insurance Companies for High-Risk Individuals (2025)
1. Prudential

✅ Best for: Smokers & High-BMI Individuals

    Offers preferred plus rates for some smokers (uncommon in the industry).

    More lenient underwriting for diabetics and those with high cholesterol.

    Term, whole, and universal life policies available.

2. Mutual of Omaha

✅ Best for: Seniors & Chronic Illnesses

    Guaranteed issue whole life insurance (no medical exam).

    Final expense policies for seniors with health issues.

    Competitive rates for heart disease and cancer survivors.

3. AIG (American International Group)

✅ Best for: Risky Hobbies & Occupations

    Flexible underwriting for adventure sports enthusiasts.

    Term life policies with high coverage limits.

    Offers non-medical exam options.

4. Banner Life (Legal & General America)

✅ Best for: Affordable Term Life for High-Risk Applicants

    Lower premiums compared to competitors.

    Lenient underwriting for controlled conditions like hypertension.

    Online application process for faster approvals.

5. Transamerica

✅ Best for: Diabetics & Former Smokers

    No-exam term life policies available.

    Better rates for ex-smokers after 1-5 years of quitting.

    Final expense coverage with simplified underwriting.

Types of Life Insurance for High-Risk Individuals
1. Term Life Insurance

    Affordable temporary coverage (10-30 years).

    Best for those who need high coverage at a lower cost.

    Convertible policies allow switching to permanent insurance.

2. Whole Life Insurance

    Lifetime coverage with cash value accumulation.

    Guaranteed acceptance policies available (but more expensive).

    Ideal for final expenses and estate planning.

3. Guaranteed Issue Life Insurance

    No medical exam or health questions.

    Higher premiums and lower coverage limits.

    Best for seniors or those with severe health conditions.

4. Simplified Issue Life Insurance

    No medical exam, but some health questions.

    Faster approval than traditional policies.

    Good for moderate-risk applicants.

How to Get Affordable Life Insurance as a High-Risk Applicant

    Compare Multiple Quotes – Rates vary widely; use an independent broker.

    Improve Your Health – Losing weight, quitting smoking, or managing chronic conditions can lower premiums.

    Choose the Right Policy Type – Term life is cheaper than whole life.

    Consider Group Insurance – Employer or association policies may offer better rates.

    Work with a Specialized Agent – Some brokers focus on high-risk cases.

Final Thoughts

Even if you're a high-risk applicant, you can still get life insurance. The key is to research providers, compare quotes, and apply with insurers known for lenient underwriting. Companies like Prudential, Mutual of Omaha, and AIG are excellent starting points.

Need help finding the best policy? Speak with a licensed life insurance agent who specializes in high-risk cases to get personalized recommendations.
Next Steps

🔹 Get a free quote from top high-risk life insurance providers.
🔹 Compare policies to find the best rates.
🔹 Apply now to secure your family’s financial future.

By taking action today, you can ensure peace of mind, no matter your risk level.

Did you find this guide helpful? Share it with others who may need high-risk life insurance options!

EU Commissioner Requires TikTok to Fully Comply or Severe Sanctions

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Competent EU officials suggested to Chinese short video application company TikTok on Friday (May 19) that if it wants to survive in Europe, it must improve in accordance with EU laws and regulations, and there is still a lot to do in this regard.

According to Reuters, the European Commission's internal market commissioner Thierry Breton (Thierry Breton) had a phone call with TikTok CEO Zhou Shouzi on Friday. Breton said he told Zhou Shouzi on the phone, “For now, (TikTok) still has a lot of room for improvement, such as stricter content moderation, avoiding excessive behavior, ensuring safe use of data, especially It's our children's data."

China is a centralized country controlled by the CCP. All Chinese companies are responsible for protecting national security. The CCP has made no secret that the databases of Chinese companies must be placed under the supervision of Chinese regulators. Out of national security considerations, the United Kingdom, the United States, and some member states of the European Union have all adopted varying degrees of restrictive measures on TikTok.

Last month, the European Union named 19 large online platforms and required them to comply with the Digital Services Act (DSA) passed last year, including TikTok. The law stipulates that the named companies need to carry out risk management, conduct external independent audits, share data with EU member state governments and researchers, and abide by relevant codes of conduct.

Breton said that if the audit finds that TikTok has not fully complied with relevant laws in terms of data protection and copyright, "we will not hesitate to take comprehensive sanctions to protect our citizens."

The "Digital Services Act" was passed at the end of last year, and the relevant online content management regulations will come into force from August this year.

A few months ago, Breton had asked TikTok to comply with the EU data service law.

TikTok is the overseas version of Chinese video-sharing app Douyin, whose parent company is Chinese technology company ByteDance.

Europe and the United States are TikTok's main overseas markets. It has 150 million users in the US and 100 million in Europe, mainly young people.

The Associated Press quoted Breton as saying, "Young users bring greater responsibility," "Behind seemingly interesting and innocuous features, users need seconds to see harmful and sometimes even harmful features." Life-threatening content is unacceptable.”

The European Commission, the European Parliament and the Council of the European Union, the top decision-making body, have ordered their employees to delete the TikTok app on official devices.

At least 22 U.S. states have banned the use of TikTok on government devices for the military, Congress and state legislatures. The U.S. state of Montana announced a statewide ban on TikTok on Wednesday. This is the first state in the United States to order a ban on the use of TikTok.

In addition, countries such as Denmark and Canada have also adopted similar measures.

U.S. Department of Commerce says China's ban on Micron is "unfounded"

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The largest memory chip manufacturer in the United States, Micron Technology, has been accused by the Chinese government of having "serious cybersecurity risks" that pose a hazard to China's information infrastructure and affect national security. Accordingly, the operation of China's critical information infrastructure is required manufacturers to stop purchasing Micron products. The U.S. Department of Commerce said on Sunday (May 21): "We firmly oppose the ban that has no factual basis."

Micron stated in a statement that it is studying the conclusions of the Chinese official review, will evaluate the content and follow-up actions, and hopes to continue discussions with the Chinese authorities.

The U.S. Department of Commerce issued a statement pointing out that China’s ban on Micron and previous raids on U.S. companies run counter to China’s declared open market and transparent regulatory policies. The Ministry of Commerce also emphasized that it will contact and cooperate with major allies and partners to solve the "distortion of the memory chip market caused by China's actions."

Micron is a memory chip giant along with Samsung Electronics and SK Hynix. About 10% of Micron's revenue comes from the Chinese market. According to industry analysis, if Micron is blocked in China, Korean manufacturers will directly benefit.

The Financial Times quoted sources as saying last month that Washington told the South Korean government that if Micron is banned from selling in China after being investigated by the China Cyberspace Administration, it is hoped that Seoul will urge Samsung Electronics and SK Hynix not to take advantage of the situation to increase their sales of chips to China. Sales, lest the vacancy in the Chinese market be filled.

China's Cyberspace Administration of China announced on Sunday that the review found that Micron's products had serious cyber security risks, which "caused major security risks to China's critical information infrastructure supply chain and affected China's national security." For this reason, the Cyber ​​Security Review Office stated that it "has made a conclusion that it will not pass the cyber security review in accordance with the law."

Reuters reported that under China's broad definition, the ban means that many sectors, from banking and financial companies to railways, roads and telecommunications facilities, cannot use Micron's products.

Biden says willing to cut spending to raise debt ceiling but won't accept Republican terms

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Biden says willing to cut spending to raise debt ceiling but won't accept Republican terms

President Biden said on Sunday (May 21) that he is willing to cut spending, but will not agree to the conditions proposed by congressional Republicans to raise the federal debt ceiling and cut the budget.

Biden told a news conference in Hiroshima that he would speak with Republican House Speaker McCarthy on his way back to the United States to discuss the negotiations. But he stressed that a U.S. debt default would have serious consequences and was not an option.

Biden said he believes he has the right to invoke the 14th Amendment to raise the debt ceiling without Congress. However, it is uncertain whether he will be able to take similar steps in time to prevent a default.

Biden, who was in Japan for the G7 summit, was briefed by his negotiating team after talks with House Republicans collapsed without signs of progress, a White House official said, seeking a Talk to McCarthy.

It is less than two weeks away from the date the U.S. Treasury Department has warned the federal government may not be able to pay its debt by June 1. Failure to reach an agreement would trigger a default, leading to chaos in financial markets and higher interest rates.

The Associated Press reported that in the past few months, President Biden has refused to negotiate with House Republicans on the debt ceiling issue, insisting that Congress is trying to use the federal borrowing ceiling issue as leverage to obtain other policy concessions.

However, the U.S. Treasury Department said funds could dry up as early as June 1. After House Republicans passed a bill to raise the federal debt ceiling and cut federal government spending, the White House began negotiating with Republicans to try to reach a budget deal that would raise the federal debt ceiling.

Biden delays visit to Australia, Papua New Guinea draws questions, criticism

USINGLEAGUE 2.0

 

 Biden administration officials dismissed criticism of the decision to postpone a visit to Australia and the historic trip to Papua New Guinea, the first by a U.S. president.

The postponement of the visit was due to the need for President Joe Biden to return home for budget negotiations as soon as possible, a move that analysts described as a step back for the United States and a big gift to China. China is flexing its muscles in the Indo-Pacific region, which is one of the reasons why the Biden administration has been developing allies in the region recently.

Biden set off for Japan on Wednesday (May 17) to attend the G-7 (Group of Seven) summit, but his itinerary was shortened.

Biden called Papua New Guinea Prime Minister James Marape on Air Force One earlier Thursday. He invited Marape to Washington in September for the second Pacific Islands summit, saying "the leaders could continue discussions at the meeting to strengthen US-Pacific cooperation on shared priorities, including addressing the climate crisis and strengthening trade and economic ties." , promote maritime security, promote sustainable and inclusive development, and increase contact between people.” Biden held the first US-Pacific Island Summit last September.

"On behalf of my people, I am honored that Biden called me directly ... and he expressed his sincerest apologies for not being able to visit," Marape said. Secretary of State Antony

Blinken He will travel to Papua New Guinea in his place on Monday.

Biden's brief visit to the northern island nation of Australia is expected to cement a new defense agreement between Washington and Port Moresby that will allow the U.S. Coast Guard to patrol Papua New Guinea waters. Originally, Biden also planned to travel to Sydney to hold summits with the leaders of India, Australia and Japan. The summit has now been cancelled.

The defense cooperation agreement will be signed on Monday as planned, Marape said.

National Security Adviser Jack Sullivan said on Air Force One: "I think it's somewhat of an exaggeration to say that postponing the visits to Australia and Papua New Guinea reflects the fundamentals of American diplomacy right now."

Sullivan cited examples of the Biden administration's deep engagement with the region over the past five months, citing recent security-focused agreements with Japan, the Philippines, South Korea and Australia, as well as recent technology initiatives with India.

"The fact that he had to postpone his trip to Australia and Papua New Guinea, when you compare that to the progress we've made with our alliances and partnerships in the Indo-Pacific region, we believe, that view," he said. The notion that (China) is somehow sitting on the sidelines and being happy and happy about it is a convenient narrative for the visit in the media, but it doesn't reflect reality anyway," he said.

Sullivan said Biden also spoke with Australian Prime Minister Anthony Albanese (Anthony Albanese), and the two agreed that Biden would visit Australia in the future and that Biden would host Albanese at a state dinner at the White House. He did not say when those visits would come.

Prior to this, analysts considered the visit important.

Charles Edel, director of the Australia Program at the Center for Strategic and International Studies, said at a briefing days before the trip was canceled that the visit was to demonstrate that "the United States is a reliable, active and enduring partner for the Pacific island nations. The region has regained lost ground. Washington's years of strategic neglect have created a strategic vacuum that China is eager to step in. The result is that China has been steadily increasing its influence and power in the region, and the U.S. now needs to fight back.

" Erin Murphy told VOA on Wednesday that the impact of the delay was significant.

She said: "Considering what the United States is trying to do in the Pacific island countries, to show its economic, military, diplomatic engagement, and to show that it is a strategic competitor, to provide what the Pacific island countries need. It's a major step backward,"

agreed Daniel Russel of the Asia Society Policy Institute.

"First of all, it's clearly a huge disappointment to Papua New Guinea and its leaders, as well as other Pacific island nations, including Australia's," he said. The

Sydney Morning Herald described the postponement of the visit as " Disappointing, messy and a big gift to Beijing," saying "Biden's exit is significant because it sends a damaging message to the Asia-Pacific region about America's commitment to the region, which is now in fierce competition with China for influence .”

In Papua New Guinea, local media also reported the disappointment of the nine million residents.

Marape had originally declared Monday — the day of Biden’s visit — to be a public holiday.

 

U.S., Taiwan Reach Agreement on U.S.-Taiwan 21st Century Trade Initiative Negotiations

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U.S. Trade Representative Katherine Tai announced on Thursday (May 18) that the U.S. and Taiwan had completed the 21 Negotiations of the Century Trade Initiative.

Areas covered by the first agreement under this initiative include customs management and trade facilitation, good regulatory practices, domestic regulation of services, anti-corruption and small and medium-sized enterprises. The statement from the USTR said that through the terms of the agreement, U.S. companies will be able to bring more products into Taiwan and Taiwanese customers, while establishing a more transparent and streamlined regulatory process that can facilitate investment and economic opportunities in both markets , especially for small and medium-sized enterprises to bring convenience. Once signed, the agreement will deepen the trade partnership and strengthen the flow of trade between the United States and Taiwan, drive innovation, and foster inclusive economic growth that benefits both workers and companies, USTR said.

U.S. Trade Representative Dai Qi said in a statement: