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Guaranteed Issue Life Insurance

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While you don’t need to be in perfect health to qualify for other types of policies, like term life or simplified issue life insurance, serious health issues often make you a better candidate for guaranteed issue.

What Is Guaranteed Issue Life Insurance?

Guaranteed issue life insurance is a type of whole life insurance policy that does not need you to answer health questions, undergo a medical exam, or allow an insurance company to review your medical and prescription records. You may also see it as “no questions life insurance” or “no questions final expense insurance.

How does Guaranteed Issue Life Insurance work?

When you apply for guaranteed issue life insurance, your insurance company will ask a few basic questions to approve you for the policy and set your rates. Most people who apply for a guaranteed issue policy cannot be turned down unless they fall below or above an age range requirement. Since there’s no medical exam, health questions, or review of your medical records, the application process is generally quick and straightforward.

You’ll also choose a coverage amount when you buy your policy. This death benefit is a “graded benefit,” which means it won’t kick in until after the grading period for your policy.During that graded period, your insurance company will refund your premiums with interest to your family if you die.

Once the graded period is over, your beneficiaries will qualify for the total payout amount. Your beneficiary is the person who receives your death benefit and can be a spouse, child, or anyone else you choose.

Who is Guaranteed Issue Life Good For?

Guaranteed issue life insurance can provide life insurance to individuals who need life insurance but don’t have any other alternatives. For example, perhaps they want to provide money for heirs to pay for a funeral or final expenses. Or maybe they want to offer a small legacy for children or grandchildren. This type of life insurance can help people who:

  • Have medical conditions that would make it impossible or unaffordable to buy other kinds of life insurance, such as whole life insurance.
  • Have restricted budgets for life insurance.
  • Are okay with having only a small amount of life insurance coverage, such as $25,000.

Already haveGuaranteed Issue Life Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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