Guaranteed Issue Life Insurance
Cannot be denied. No health questions. Coverage up to $25,000 for ages 50-85.
- Zero health questions asked
- 100% acceptance guaranteed
- Coverage starts at $35/month
- Premiums never increase
Takes 2 minutes • No obligation • No health questions
What is Guaranteed Issue Life Insurance?
The only life insurance that accepts everyone, guaranteed
Guaranteed issue life insurance is a type of whole life insurance designed specifically for people who cannot qualify for traditional coverage. Unlike other policies that ask health questions or require medical exams, guaranteed issue life insurance accepts everyone who applies within the eligible age range.
If you're between ages 50-85, you cannot be turned down for any reason. The insurance company guarantees to issue you a policy - that's why it's called "guaranteed issue." Your health history, medical conditions, or lifestyle choices don't matter. You're automatically approved.
Who qualifies for guaranteed issue?
Anyone between ages 50-85 qualifies automatically. No exceptions. Even if you have cancer, heart disease, diabetes, COPD, or any other condition - you're approved. Even if you've been denied by other insurance companies - you're approved.
Most guaranteed issue policies have a "graded benefit period" of 2-3 years, meaning full death benefits aren't paid until after that period if death is from natural causes. However, accidental death benefits are paid from day one. After the graded period ends, your beneficiaries receive the full death benefit regardless of the cause of death.
Why Choose Guaranteed Issue Life Insurance?
Protection when you need it most, regardless of your health
100% Guaranteed Acceptance
If you're between 50-85, you cannot be turned down. No one is denied coverage regardless of health conditions.
No Health Questions
Zero health questions on the application. Your medical history doesn't matter - you're automatically approved.
Fast Approval Process
Get approved in minutes with our simple application. No waiting for medical records or doctor visits.
Fixed Premiums for Life
Your premium is locked in and will never increase, regardless of age or health changes.
Coverage Never Expires
Whole life insurance that lasts your entire lifetime. Policy cannot be cancelled due to age or health.
Protect Your Family
Ensure your loved ones aren't burdened with funeral costs and final expenses during a difficult time.
Who Should Consider Guaranteed Issue Insurance?
Guaranteed issue is perfect for those who can't get coverage elsewhere
Previously Denied Coverage
If you've been turned down by other insurance companies due to health issues, guaranteed issue is designed for you.
Serious Health Conditions
Those with conditions like heart disease, cancer, diabetes, COPD, or other chronic illnesses qualify for coverage.
No Medical Records Available
If you haven't seen a doctor in years or don't have access to medical records, guaranteed issue requires none.
Want Immediate Coverage
Need coverage quickly without jumping through hoops? Guaranteed issue provides instant approval.
Important: Compare Your Options First
While guaranteed issue ensures you get coverage, it typically has higher premiums than simplified issue life insurance. If you're in moderate health, you may qualify for simplified issue, which offers:
- Lower premiums (20-40% less expensive)
- No waiting period - full coverage from day one
- Higher coverage amounts available (up to $50,000)
Our agents can help you determine which option is best for your situation. Call us at (888) 519-9743 to compare your options.
Coverage Amounts & Estimated Costs
Choose the coverage amount that fits your needs and budget
*Estimated costs based on age 65. Your actual rate depends on your age and gender. Rates shown are approximate.
Understanding the Graded Benefit Period
What it means and how it works
First 2-3 Years
If death occurs from natural causes during the graded benefit period:
- All premiums paid are returned
- Plus 10% interest added
- Family isn't left with nothing
After Graded Period
After the 2-3 year period ends:
- Full death benefit is paid
- Regardless of cause of death
- Tax-free to beneficiaries
Important: Accidental Death Coverage
Full death benefits are paid from day one if death is due to an accident, regardless of the graded benefit period. The graded period only applies to natural causes of death.
Guaranteed Issue vs. Simplified Issue
Understanding your options helps you make the best choice
| Feature | Guaranteed Issue | Simplified Issue |
|---|---|---|
| Acceptance Rate | 100% Guaranteed | Good health required |
| Health Questions | None | 5-15 Questions |
| Medical Exam | No | No |
| Waiting/Graded Period | 2-3 Years | None |
| Maximum Coverage | $25,000 | $50,000 |
| Premium Level | Higher | Lower |
| Best For | Serious health issues | Moderate health |
Not sure which option is right for you? Our agents can help you compare both options.
Call (888) 519-9743 to Compare Your OptionsFrequently Asked Questions
Get answers to common questions about guaranteed issue life insurance
- What is guaranteed issue life insurance?
Guaranteed issue life insurance is a type of whole life insurance that accepts everyone who applies within the eligible age range (typically 50-85). There are no health questions, no medical exams, and you cannot be denied coverage for any reason. The insurance company guarantees to issue you a policy as long as you meet the basic age requirements.
- Who should consider guaranteed issue life insurance?
Guaranteed issue is ideal for people who have been denied traditional life insurance due to serious health conditions, those with chronic illnesses like diabetes, heart disease, or cancer, seniors who haven't seen a doctor recently, or anyone who wants coverage without the hassle of medical underwriting. It's also perfect for those who need coverage quickly and don't want to wait for medical records or exam results.
- What is the graded benefit period?
Most guaranteed issue policies have a graded benefit period of 2-3 years. This means if you pass away from natural causes during this period, your beneficiaries receive a return of all premiums paid plus interest (typically 10%). After the graded period, full death benefits are paid. However, if death is due to an accident, full benefits are paid from day one regardless of the graded period.
- How much guaranteed issue coverage can I get?
Guaranteed issue life insurance typically offers coverage amounts between $5,000 and $25,000. The exact amount available depends on your age and the insurance carrier. While this is lower than traditional life insurance, it's designed to cover final expenses like funeral costs, outstanding medical bills, and other end-of-life expenses.
- Are guaranteed issue premiums higher than other policies?
Yes, guaranteed issue premiums are generally higher than simplified issue or traditional life insurance because the insurance company takes on more risk by not asking health questions. However, for many people with serious health conditions, guaranteed issue may be the only option available. The peace of mind of guaranteed acceptance often outweighs the higher premium cost.
Have more questions? Our insurance specialists are here to help.
Call (888) 519-9743Related Coverage Options
Explore other insurance options that may fit your needs
Final Expense Insurance
Affordable coverage for funeral costs, medical bills, and other end-of-life expenses.
Burial Insurance
Coverage specifically designed for funeral and burial costs.
Simplified Issue
Lower rates with a few health questions. No waiting period for full coverage.
Senior Life Insurance
Life insurance options specifically designed for ages 50-85.
Ready to Get Guaranteed Coverage?
100% guaranteed acceptance. No health questions. Get your free quote in 2 minutes.
Takes 2 minutes • No obligation • Cannot be denied