Applying for life insurance can feel overwhelming, especially if you’ve been told you’re 'high risk' due to health issues, lifestyle, or occupation. That’s where we come in. Horizon Life & Annuity helps individuals in impaired risk categories find flexible and affordable life insurance options. Complete the form, and let us guide you toward the right coverage for your needs.
Possibly Insurable adult conditions (common → less common):
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High blood pressure / Hypertension
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High cholesterol / Hyperlipidemia
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Obesity / Overweight
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Depression / Anxiety
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Asthma (adult-onset)
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Thyroid disorders (Hypothyroidism, Hyperthyroidism)
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Arthritis / Osteoarthritis / Rheumatoid Arthritis
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Sleep apnea
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Kidney disease / Chronic kidney disease (mild to moderate)
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Liver disease (non-cirrhotic, e.g., fatty liver)
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Stroke / TIA history (if not recent/severe)
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Peripheral vascular disease / Circulation problems
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COPD / Chronic bronchitis / Emphysema (mild-moderate)
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Autoimmune disorders (e.g., Lupus, Psoriasis, Hashimoto’s, mild)
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Crohn’s Disease / Ulcerative Colitis
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Heart conditions (mild-moderate, controlled)
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Diabetes (Type 1 & 2, well-controlled)
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Cancer history (in remission, depending on type & years cancer-free)
Disclaimer: The health conditions mentioned on this site represent situations where life insurance may be available, but coverage is not guaranteed. Approval, premiums, and coverage amounts are determined by the insurance company based on underwriting, age, health, and other factors.