Guaranteed Issue Life Insurance
Coverage with no health questions for eligible applicants.
What is Guaranteed Issue Life Insurance?
Guaranteed issue life insurance is designed for people who may have difficulty qualifying for traditional life insurance due to health conditions. These policies do not ask health questions and do not require a medical exam.
If you're within the eligible age range (typically 50-85), you can be accepted for coverage regardless of your health status. This makes guaranteed issue an important option for people with serious health conditions.
Important Considerations
- • Graded benefit period: Most policies have a 2-year waiting period for full benefits on natural death
- • Higher premiums: Expect to pay more than simplified issue policies due to higher insurer risk
- • Coverage limits: Maximum coverage amounts are typically lower than other policy types
- • Consider alternatives first: If you can qualify for simplified issue, you'll likely get better rates
Who Should Consider Guaranteed Issue?
- People with serious health conditions who can't qualify for other coverage
- Those who have been declined for traditional life insurance
- Anyone who wants coverage without answering health questions
- Seniors who want guaranteed acceptance within age limits
Common Questions
Guaranteed issue life insurance is a type of whole life policy that does not require health questions or a medical exam. Eligible applicants within the age range are accepted regardless of health conditions.
Important Disclosures:
- Availability varies by state. Not available in all states.
- Coverage amounts, premiums, and policy features vary by carrier and state.
- Not affiliated with the U.S. government, Medicare, or Social Security Administration.
Learn About Your Options
Our agents can help you understand if guaranteed issue is right for you, or if other options may be a better fit.
What to expect on the call:
- A friendly, licensed agent will answer your questions
- We'll review your coverage needs and budget
- You'll receive personalized quotes from top-rated carriers
- No pressure — take your time to decide
Or call us directly:
(470) 202-8817