Life Insurance
Guaranteed Issue Life
Coverage no one can turn down, within age limits.
Coverage no one can turn down, within age limits.
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.
See my rates →The one feature of guaranteed issue everyone should understand. Here it is, plainly.
| When | Cause | What your beneficiaries receive |
|---|---|---|
| Day one, onward | Accidental death | Full benefit - no waiting period |
| Years 1 - 2 | Natural causes | All premiums returned, typically plus 7 - 10% interest |
| Year 3 and beyond | Any cause | Full benefit, guaranteed |
Graded period terms vary by carrier - most run two years. We show you each carrier's exact terms before you choose.
No health questions, no exam, within age limits.
Stays in force for life with level premiums.
A path to coverage when nothing else works.
Acceptance is guaranteed within the carrier's age range - typically 50 to 80. That is the only gate.
No exams, no health questions, no records pulled. The application is little more than identity and beneficiary details.
Most policies pay a reduced benefit for natural causes in the first two years, then the full benefit afterward - accidental death is typically covered in full from day one.
Treat guaranteed issue as the last resort, not the first stop. Many health conditions still qualify for final expense with better pricing and immediate full benefits. We always check those doors first - guaranteed issue is there if they close.
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