What Are Guaranteed Issue Policies?

Guaranteed issue life insurance provides a simple way to obtain coverage without being denied due to health conditions. These policies are typically whole life plans with fixed premiums and benefits designed to cover final expenses.

Key Benefits

• No medical exams or health questions
• Fast and simple application process
• Permanent coverage with fixed premiums
• Great for individuals with serious health conditions

Who Is This For?

Guaranteed Issue is ideal for people over age 50, or anyone declined for traditional coverage. It offers financial protection to ensure loved ones aren’t burdened by funeral and end-of-life costs.

Common Uses

• Final expense and burial coverage
• Supplemental protection for individuals with chronic conditions
• Peace of mind for those without other insurance options