Guaranteed Issue Life Insurance is easy to apply for, get a quote for, or shop if you call the right agent!  I can get you a policy no matter what your health condition whether you have suffered from a stroke, a heart problems, cancer, or anything else - no medical questions will be asked!   

Guaranteed Issue Life Insurance is a type of Whole Life Policy:

Guaranteed Issue Life Insurance is for those clients who want to get a policy with no questions asked because of health issues, hazardous avocations, or other personal reasons.  Guaranteed issue Life Insurance is different from regular issue (or preferred risk) life insurance in that:

• The policy is a whole life policy

• The policy is more expensive as you do not have to go through underwriting

• The policy is issued very quickly and on anyone; no medical questions asked!

• The policy's full death benefit is deferred for a 3 year period of time.  If the insured dies before that initial 3 year period of time, their beneficiary gets the premiums back PLUS 10% interest!

• Policies are limited to those who are between the ages of 46 and 80 years of age.

After this 3 year waiting period, the full face amount of the policy would pay to the beneficiary in the event of the insured's death:

The most critical feature of this type of policy is the 3 year payoff deferral.  More specifically, if the insured were to die within the first 3 years of owning the policy, the beneficiary would not get the full face amount - they would get the premiums that were paid into the policy to date plus 10% interest on those premiums.  After this 3 year waiting period, the full face amount of the policy would pay to the beneficiary in the event that the insured passes.

 

 

Affordable life insurance coverage up to $35,000 in face amount:

• If you have been declined for life insurance

• If you are between the ages of 46 and 80

• If you want a life insurance policy quickly

 

The benefits of getting a Guaranteed Issue Whole Life Policy:

• A Whole Life Policy builds cash value - you can withdraw money from the policy if you need cash.

• There are no health questions asked whatsoever!

• Quickly get a policy - no long application process!

• Plan covers you and provides security for your loved ones

What would your family do if you died today? 
How would they pay for the "final expenses"?

Guaranteed Issue Life Insurance may be the perfect plan for you!