High risk life insurance is simply life insurance for people whose chances of an early death are higher than others.
A high level of risk is determined by comparing several factors of a person's life to the lives of those within the same age range and gender.
If you have ever looked into obtaining life insurance coverage, you probably already know there is a customary screening that needs to be completed in order to determine what level of risk you fall under.
This screening involves in depth questions about your medical history, occupational duties, substances used (tobacco, alcohol, etc), and other questions regarding your habits and lifestyle.
Some factors, such as being male, automatically increase your premium because past records indicate women generally live longer than men.
Medical examinations are often also a necessity in obtaining life coverage.
In terms of health, it doesn't take much to be considered high risk.
Serious conditions like obesity can land you in the high risk category, resulting in painfully high premiums, lesser death benefit, or in extreme cases, flat out refusal to provide coverage.
Many people believe they will be approved for standard (or preferred) risk life insurance and are surprised to discover they are actually considered a high risk.
How does this happen? Suppose you are a young, female office clerk; so far so good in terms of risk.
You are married, have no children and don't smoke, are athletic, healthy, and have no serious medical conditions in your family history.
One would assume this profile would secure an exceptional life insurance policy, but such is not the case.
You must also disclose your involvement in extreme sports and love of braving the wilderness, including how frequently you participate in these activities.
Such factors alone will completely change the outcome of your assessment.
According to life insurance experts, hobbies like the above are enough to regard your chances of death as riskier than others.
In fact, criteria such as smoking cigarettes wouldn't likely be considered as risky as being involved in extreme activities due to advanced medical research indicating smokers are starting to live longer in addition to the rise of interest in extreme sports and the accident rate that increases along with it.
This is a perfect example why life insurance brokers are very interested in knowing what you enjoy doing in your spare time.
Involvement in activities that revolve around cheating death will surely warrant a very high risk profile and a higher premium to match.
However, high risk life insurance isn't as harsh as it sounds.
Considering the high number of dangerous professions and activities people are involved in these days, there are many insurance companies with policies that cater specifically to high risk clientele.
Many companies even deal exclusively with high profile, high risk people, so it is possible to enjoy any activity with a peace of mind.
There are tons of life insurance companies which focus on high risk situations.
The Internet is probably the best way to find one closest to you.