Guaranteed Issue Whole Life Insurance

No Medical Exam Whole life Insurance Coverage

Life insurance protection without any health questions or medical exam

Guaranteed Issue Whole Life Insurance is a simple and affordable life insurance policy designed to cover expenses like medical bills, credit card debt or funeral costs, and can help protect your loved ones from future financial burdens. The benefits from this guaranteed issue whole life insurance can lend a helping hand for your loved ones during a difficult time, ensuring your family may be supported in the future.

Benefit payouts can help fund costs such as daily expenses, unforseen accidents, and education funds.

A Whole Life Guaranteed insurance policy offers:
  • Up to $40,000 in coverage for ages 45-85 with no medical exam
  • Up to $25,000 in coverage for ages 50-80 with no medical exam/health questions
  • Living benefits (Chronic and Terminal illness) included at no extra cost, subject to state approval
  • Optional Accidental Death Benefit Rider
  • Required premium payments stop at or before age 90
  • No decrease in benefits or increase in premiums
  • Builds cash value to borrow against

​A Guaranteed Issue Whole Life policy also includes a level or graded death benefit:
  • If level, the death benefit is paid 100% for natural or accidental death the day you make your first payment.
  • If graded and death occurs from an accident in the first two years, the full death benefit will payout; if from natural causes (not accidental) during the policy’s first two years, the beneficiary will receive all premiums you paid plus 20 percent. Once the two year period ends, the beneficiary will receive the policy’s full benefit. ​
If you have any questions about a guaranteed issue whole life insurance policy, please speak with one of our licensed insurance agents today. Our agents can help you determine which policy and coverage level is suitable for your needs.