{"name":"Health Conditions & High-Risk Applicants Company Index","description":"Current Health Conditions & High-Risk Applicants category consensus ranking published by Life Insurance Consensus Index.","url":"https://lifeinsuranceconsensusindex.com/high-risk-life-insurance","methodology":"https://lifeinsuranceconsensusindex.com/research-methodology","license":"https://lifeinsuranceconsensusindex.com/terms-of-use","snapshotId":"derived-high-risk-life-insurance","sourceFingerprint":"published-fit-review-evidence","calculatedAt":"2026-09-22T00:00:00.000Z","studyCount":27,"platformCount":7,"usableResponseCount":189,"entityCount":25,"rows":[{"rank":1,"entityId":"prudential","canonicalName":"Prudential","officialDomain":"prudential.com","entityType":"company","score":71.85,"studyAppearanceCount":26,"studyCoverageRate":96.3,"responseAppearances":155,"recommendationRate":82.01,"averageListedPosition":2.24,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-high-risk-applicants/prudential"},{"rank":2,"entityId":"banner-life","canonicalName":"Banner Life","officialDomain":"bannerlife.com","entityType":"company","score":53.81,"studyAppearanceCount":26,"studyCoverageRate":96.3,"responseAppearances":128,"recommendationRate":67.72,"averageListedPosition":3.05,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-depression/banner-life"},{"rank":3,"entityId":"mutual-of-omaha","canonicalName":"Mutual of Omaha","officialDomain":"mutualofomaha.com","entityType":"company","score":49.95,"studyAppearanceCount":26,"studyCoverageRate":96.3,"responseAppearances":152,"recommendationRate":80.42,"averageListedPosition":4.79,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/no-exam-life-insurance-after-being-declined/mutual-of-omaha"},{"rank":4,"entityId":"lincoln-financial-lincolnfinancial-com","canonicalName":"Lincoln Financial","officialDomain":"lincolnfinancial.com","entityType":"company","score":38.52,"studyAppearanceCount":24,"studyCoverageRate":88.89,"responseAppearances":118,"recommendationRate":62.43,"averageListedPosition":4.83,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-people-with-heart-disease/lincoln-financial"},{"rank":5,"entityId":"protective","canonicalName":"Protective","officialDomain":"protective.com","entityType":"company","score":35.4,"studyAppearanceCount":24,"studyCoverageRate":88.89,"responseAppearances":100,"recommendationRate":52.91,"averageListedPosition":4.31,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-high-blood-pressure/protective-life"},{"rank":6,"entityId":"pacific-life-pacificlife-com","canonicalName":"Pacific Life","officialDomain":"pacificlife.com","entityType":"company","score":30.48,"studyAppearanceCount":21,"studyCoverageRate":77.78,"responseAppearances":87,"recommendationRate":46.03,"averageListedPosition":4.38,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-sleep-apnea/pacific-life"},{"rank":7,"entityId":"john-hancock","canonicalName":"John Hancock","officialDomain":"johnhancock.com","entityType":"company","score":21.69,"studyAppearanceCount":17,"studyCoverageRate":62.96,"responseAppearances":62,"recommendationRate":32.8,"averageListedPosition":4.39,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-type-1-diabetes/john-hancock"},{"rank":8,"entityId":"corebridge-financial","canonicalName":"Corebridge Financial","officialDomain":"corebridgefinancial.com","entityType":"company","score":20.79,"studyAppearanceCount":20,"studyCoverageRate":74.07,"responseAppearances":63,"recommendationRate":33.33,"averageListedPosition":4.76,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-kidney-disease/corebridge-financial"},{"rank":9,"entityId":"transamerica-transamerica-com","canonicalName":"Transamerica","officialDomain":"transamerica.com","entityType":"company","score":17.62,"studyAppearanceCount":15,"studyCoverageRate":55.56,"responseAppearances":61,"recommendationRate":32.28,"averageListedPosition":5.54,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-dui/transamerica"},{"rank":10,"entityId":"gerber-life","canonicalName":"Gerber Life","officialDomain":"gerberlife.com","entityType":"company","score":8.73,"studyAppearanceCount":8,"studyCoverageRate":29.63,"responseAppearances":30,"recommendationRate":15.87,"averageListedPosition":5.5,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/no-exam-life-insurance-after-being-declined/gerber-life-guaranteed-life-insurance"},{"rank":11,"entityId":"nationwide-nationwide-com","canonicalName":"Nationwide","officialDomain":"nationwide.com","entityType":"company","score":6.46,"studyAppearanceCount":6,"studyCoverageRate":22.22,"responseAppearances":21,"recommendationRate":11.11,"averageListedPosition":5.19,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-type-1-diabetes/nationwide"},{"rank":12,"entityId":"guardian-life","canonicalName":"Guardian Life","officialDomain":"guardianlife.com","entityType":"company","score":6.3,"studyAppearanceCount":5,"studyCoverageRate":18.52,"responseAppearances":18,"recommendationRate":9.52,"averageListedPosition":4.39,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-people-living-with-hiv/guardian-life"},{"rank":13,"entityId":"aig","canonicalName":"AIG","officialDomain":"aig.com","entityType":"company","score":5.03,"studyAppearanceCount":5,"studyCoverageRate":18.52,"responseAppearances":14,"recommendationRate":7.41,"averageListedPosition":4.21,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-after-prostate-cancer/corebridge-financial"},{"rank":14,"entityId":"principal","canonicalName":"Principal","officialDomain":"principal.com","entityType":"company","score":4.81,"studyAppearanceCount":4,"studyCoverageRate":14.81,"responseAppearances":14,"recommendationRate":7.41,"averageListedPosition":4.5,"bestPosition":2,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-scuba-divers/principal-financial"},{"rank":15,"entityId":"transamerica-cloud-email-transamerica-com","canonicalName":"Transamerica","officialDomain":"cloud.email.transamerica.com","entityType":"company","score":4.66,"studyAppearanceCount":3,"studyCoverageRate":11.11,"responseAppearances":14,"recommendationRate":7.41,"averageListedPosition":4.71,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-epilepsy-and-seizure-disorders/transamerica"},{"rank":16,"entityId":"state-farm","canonicalName":"State Farm","officialDomain":"statefarm.com","entityType":"company","score":3.76,"studyAppearanceCount":3,"studyCoverageRate":11.11,"responseAppearances":10,"recommendationRate":5.29,"averageListedPosition":3.9,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigarette-smokers/state-farm"},{"rank":17,"entityId":"ethos","canonicalName":"Ethos","officialDomain":"ethos.com","entityType":"company","score":3.07,"studyAppearanceCount":5,"studyCoverageRate":18.52,"responseAppearances":14,"recommendationRate":7.41,"averageListedPosition":6.86,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-obesity/ethos"},{"rank":18,"entityId":"symetra","canonicalName":"Symetra","officialDomain":"symetra.com","entityType":"company","score":2.49,"studyAppearanceCount":3,"studyCoverageRate":11.11,"responseAppearances":7,"recommendationRate":3.7,"averageListedPosition":4.29,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-cancer-survivors/symetra"},{"rank":19,"entityId":"sbli","canonicalName":"SBLI","officialDomain":"sbli.com","entityType":"company","score":2.12,"studyAppearanceCount":3,"studyCoverageRate":11.11,"responseAppearances":8,"recommendationRate":4.23,"averageListedPosition":6,"bestPosition":2,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-obesity/sbli"},{"rank":20,"entityId":"legal-general-america","canonicalName":"Legal & General America","officialDomain":"legalandgeneralamerica.com","entityType":"company","score":2.01,"studyAppearanceCount":2,"studyCoverageRate":7.41,"responseAppearances":4,"recommendationRate":2.12,"averageListedPosition":1.5,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-stroke/legal-general-america"},{"rank":21,"entityId":"aarp","canonicalName":"AARP","officialDomain":"aarp.org","entityType":"company","score":2.01,"studyAppearanceCount":2,"studyCoverageRate":7.41,"responseAppearances":6,"recommendationRate":3.17,"averageListedPosition":4.67,"bestPosition":2,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/no-exam-life-insurance-after-being-declined/aarp-level-benefit-term-life-by-new-york-life"},{"rank":22,"entityId":"physicians-mutual","canonicalName":"Physicians Mutual","officialDomain":"physiciansmutual.com","entityType":"company","score":1.8,"studyAppearanceCount":2,"studyCoverageRate":7.41,"responseAppearances":7,"recommendationRate":3.7,"averageListedPosition":6.14,"bestPosition":1,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-copd/physicians-mutual"},{"rank":23,"entityId":"haven-life","canonicalName":"Haven Life","officialDomain":"havenlife.com","entityType":"company","score":1.64,"studyAppearanceCount":3,"studyCoverageRate":11.11,"responseAppearances":8,"recommendationRate":4.23,"averageListedPosition":7.13,"bestPosition":5,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-after-a-dui/haven-life-massmutual"},{"rank":24,"entityId":"colonial-penn","canonicalName":"Colonial Penn","officialDomain":"colonialpenn.com","entityType":"company","score":1.43,"studyAppearanceCount":2,"studyCoverageRate":7.41,"responseAppearances":5,"recommendationRate":2.65,"averageListedPosition":5.6,"bestPosition":2,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/no-exam-life-insurance-after-being-declined/colonial-penn"},{"rank":25,"entityId":"north-american-company","canonicalName":"North American Company","officialDomain":"northamericancompany.com","entityType":"company","score":0.74,"studyAppearanceCount":2,"studyCoverageRate":7.41,"responseAppearances":5,"recommendationRate":2.65,"averageListedPosition":8.2,"bestPosition":6,"relevantResearchPath":"/health-conditions-and-high-risk-life-insurance/life-insurance-for-cigar-smokers/north-american-company"}]}