Guaranteed Issue Life Insurance
No health questions, no exam, no denial within the age range. Built for people with serious health conditions who still want to leave something behind.
Who it fits
- You have been declined for life insurance before
- You have a serious condition like heart failure, cancer, or COPD
- You use oxygen, a wheelchair, or receive in-home care
- You are between 50 and 80
What to know
- Coverage amounts
- $2,000 to $25,000
- Health questions
- None.
- Acceptance
- Guaranteed within the age range.
- Waiting period
- Two years for natural causes. Accidental death is covered from day one.
- During the wait
- Premiums returned plus interest if death is from natural causes.
- Premiums
- Fixed for life.
How we help
- 01
We check whether you actually need guaranteed issue. Many people who assume they will be declined qualify for a cheaper plan with day-one coverage.
- 02
If guaranteed issue is the right fit, we compare the carriers offering it and explain the waiting period plainly before you buy.
Guaranteed issue questions
Why is there a waiting period?
The carrier accepts everyone without asking about health. The two-year window is how they price that risk. If death occurs from natural causes during the wait, the premiums paid are returned with interest.
Is it more expensive?
Yes, per dollar of coverage. That is why we always check for a simplified issue plan first.
Also in Life Insurance
Get a guaranteed issue quote
A licensed agent calls you back, Mon to Fri, 8am to 6pm PT.
Want it handled today?
Most life applications are approved on the first call.