Guaranteed Issue Life

Coverage no one can turn down, within age limits.

Overview

What it is, in plain English

Guaranteed issue life insurance asks no health questions and requires no exam — acceptance is guaranteed within the carrier's age limits. It's built for people who haven't qualified elsewhere. Benefits are modest and there's typically a graded period, but it guarantees you can be covered.

Is it right for you?

Guaranteed Issue Life tends to fit people who…

Have been declined for other coverage
Have serious health conditions
Want guaranteed acceptance
Need a modest final-expense-sized policy

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Guaranteed acceptance

No health questions, no exam, within age limits.

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Permanent coverage

Stays in force for life with level premiums.

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Peace of mind

A path to coverage when nothing else works.

Good to know

Common questions

What's the catch with guaranteed issue?

Premiums are higher per dollar of coverage, benefits are modest, and there's usually a graded period (often two years) before the full death benefit applies.

Who should consider it?

People who can't qualify for traditional coverage due to health. If you can qualify elsewhere, you'll usually get more for your money.

How much coverage is available?

Typically up to around $25,000, depending on the carrier and your age.

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