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Guaranteed issue life insurance

Have you been looking for life insurance to cover your family in the event of a sudden death, but have been unable to get it due to being in a high-risk category? You’re not alone. There are many people with pre-existing health conditions who are not able to get life insurance coverage. This leaves their families exposed and vulnerable in the event of a death.
We have made it our job to find life insurance companies that do accept people despite their pre-existing conditions. If you’re struggling to get life insurance coverage and have been repeatedly denied for it due to your age or a major medical condition that puts you in a high-risk category, you can get all the coverage you need by getting guaranteed issue life insurance. We carry policies for up to $150,000 worth of coverage. What’s incredible is that the monthly premiums are affordable.

What is Guaranteed Issue Life Insurance?

Guaranteed issue life insurance is exactly what it sounds like — life insurance that is issued with no underwriting. This means, that you cannot be denied! In other words, if you apply for it, you will get it — it's a guarantee.
There are no medical questions to answer, and there are no physicals to take. You will not be prodded with needles or forced to stand on a scale. Your medical history will not be examined under a microscope. Our company works with reputable life insurance companies such as Mutual of Omaha and other A-rated carriers to ensure you will undergo no medical underwriting process.
Medical underwriting would typically determine how much you pay for your life insurance premium. But with a guaranteed issue life insurance policy, this is eliminated. That means that premiums are determined by a scale of other high-risk policyholders in your particular age demographic. In other words, if you’re a 65 year old man getting this policy, you will pay a premium based on the premiums of other men in your age group who are considered high-risk. That generally means cheaper premiums for your life insurance.

What Guaranteed Issue Life Insurance Covers

Life insurance, whether it is guaranteed issue or otherwise, pays a death benefit. This money will go to cover final expenses and to pay the way for dependents and beneficiaries. Specifically, a guaranteed issue life insurance policy will pay a death benefit that will cover several items:

  • Funeral expenses - the cost of funerals, burials, and cremation are all quite expensive. Cremation starts at around $1,000, and burials start around $6,000. Add the expense of a funeral/wake/memorial service, and prices can skyrocket to around $10,000.
  • Estate taxes. Upon your death, there may be estate taxes associated with your property. This way, your family will not have to liquidate it in order to pay the bill.
  • Unpaid medical bills or mortgages. You can often get enough coverage to pay off your mortgage or any unpaid medical bills.


The rest of the money can go to an heir or heiress, to ensure that his or her financial burden is lessened in your absence. It can go toward paying their bills and their daily expenses. It can also go to a favored charity if you so choose.

Limitations of Guaranteed Issue Life Insurance (and what you can do about them)

The limitations of a guaranteed issue life insurance policy are mostly contained to those with graded payouts. In other words, if you purchase a policy and then die within the early stages of that policy, your family will not get a full death benefit. They will get a certain percentage, based on how long that policy has been in effect.
The reason for having a graded benefit is due to the fact that insurance companies have often found, in the past, that a person would buy a policy that would pay out in full only to have the policyholder die in just a few short months afterward.
This term of graded benefit payout is typically for a two year period, although some policies go for as long as a five-year period for a graded death benefit payout. Essentially, you can avoid this limitation in two ways:

  • You can search for a policy that has a minimum graded payout time such as many of the regular issue and guaranteed issue life insurance policies we offer.
  • You can purchase a policy well before you expect to die. For example, if you have been diagnosed with a serious illness, you will want to get your policy sooner rather than later.

This advice isn’t as trite as “buy a policy and don’t die,” but it is much wiser to buy a policy earlier on if you find that the policy has a graded death benefit payout. Don’t feel that you are too young to afford life insurance. We have found half a million and million dollar policies for a fraction of what you would think it my cost, often running around $50 a month. If you buy too late, you could end up paying more than your family will get back in the event of your death. When you purchase a policy, try to remain in the best health possible for as long as possible.
The good news is that with the guaranteed issue life insurance policies that our company offers, even if you are not currently in what companies consider good health, we can still cover you for a very competitive price.

Why you need Guaranteed Issue Life Insurance

If you have a pre-existing medical condition or are at an age where regular life insurance will not accept you, then you probably need guaranteed issue life insurance. It will be necessary for both your final expenses and of course, to give your loved ones peace of mind. Not only will they have to cover your funeral and burial expenses, but they will also have to find a way to make due without your income or what you would ostensibly provide to the household. Even if you don’t work, you still bring a valuable asset to your family, and that needs to be covered in the event of your death.
Guaranteed issue life insurance is a sure way to get your final expenses and family bills covered in the event of your death. If you have been turned down by companies due to a health condition, failed the physical examination requirements, or simply go rejected due to your age, sign up with a guaranteed issue life insurance plan, and get your family the coverage that they need and deserve.

Life Insurance and Types

All about life insurance plans and its coverage

While it's true that no one lives forever, death can come unexpectedly. Under these circumstances, it's the family that suffers, especially financially. Life insurance plans are great ways of ensuring that your family or spouse or partner does not have the burden of worrying about finances in addition to mourning your death. Payouts given in each situation will differ from plan to plan but largely, it is believed that you will need to provide anywhere between 5 to 15 times your annual salary to ensure that your family lives in comfort after your death. Life insurance plans are available independently, as well as with health insurance, including guaranteed health insurance plans. Irrespective of whichever option you prefer to choose, it is important to understand the types and other factors regarding coverage.

Types of life insurance plans

Broadly, there are three types of life insurance plans available, which include:

  • Term life insurance plan: This is one of the cheaper and more affordable plans, despite having the same cash out value as other plans. The reason for its affordability is because these payments are made only after the death of the insurer and only if the death is during the period of the insurance. These plans are available for periods ranging from 5 years to 30 years, and are sold in 5 year increments only.
  • Whole life insurance: Although more expensive than the previous one, this life insurance plan is perfect if you are planning for your child's education or your own retirement. This plan offers guaranteed cash payouts at regular intervals, which can be of great help. Additionally, it also pays you dividend, unlike other insurance plans. This is an ideal plan for the young and healthy and who are most likely to live during the term periods. However, this is an expensive option and you have to keep paying your premiums to keep it going.
  • Variable life insurance: This is a permanent type of insurance where you have control over your money. In short, you will have control over how your cash out is invested and where. You can choose from conservative and safe options to really risky ones, based on your own expertise in the area. However, this is again an expensive option to choose.

When choosing life insurance, it's important to finalize on a cash value that you would like. Multiplying your annual salary by 5 or 7 will help you get a good figure that you might want to opt for. When calculating your insurance coverage, it's highly advisable to take all your debts into account, to ensure that you do not overspend.

 

Guaranteed issue life insurance

Have you been looking for life insurance to cover your family in the event of a sudden death, but have been unable to get it due to being in a high-risk category? You’re not alone. There are many people with pre-existing health conditions who are not able to get life insurance coverage. This leaves their families exposed and vulnerable in the event of a death.
We have made it our job to find life insurance companies that do accept people despite their pre-existing conditions. If you’re struggling to get life insurance coverage and have been repeatedly denied for it due to your age or a major medical condition that puts you in a high-risk category, you can get all the coverage you need by getting guaranteed issue life insurance. We carry policies for up to $150,000 worth of coverage. What’s incredible is that the monthly premiums are affordable.

What is Guaranteed Issue Life Insurance?

Guaranteed issue life insurance is exactly what it sounds like — life insurance that is issued with no underwriting. This means, that you cannot be denied! In other words, if you apply for it, you will get it — it's a guarantee.
There are no medical questions to answer, and there are no physicals to take. You will not be prodded with needles or forced to stand on a scale. Your medical history will not be examined under a microscope. Our company works with reputable life insurance companies such as Mutual of Omaha and other A-rated carriers to ensure you will undergo no medical underwriting process.
Medical underwriting would typically determine how much you pay for your life insurance premium. But with a guaranteed issue life insurance policy, this is eliminated. That means that premiums are determined by a scale of other high-risk policyholders in your particular age demographic. In other words, if you’re a 65 year old man getting this policy, you will pay a premium based on the premiums of other men in your age group who are considered high-risk. That generally means cheaper premiums for your life insurance.

What Guaranteed Issue Life Insurance Covers

Life insurance, whether it is guaranteed issue or otherwise, pays a death benefit. This money will go to cover final expenses and to pay the way for dependents and beneficiaries. Specifically, a guaranteed issue life insurance policy will pay a death benefit that will cover several items:

  • Funeral expenses - the cost of funerals, burials, and cremation are all quite expensive. Cremation starts at around $1,000, and burials start around $6,000. Add the expense of a funeral/wake/memorial service, and prices can skyrocket to around $10,000.
  • Estate taxes. Upon your death, there may be estate taxes associated with your property. This way, your family will not have to liquidate it in order to pay the bill.
  • Unpaid medical bills or mortgages. You can often get enough coverage to pay off your mortgage or any unpaid medical bills.


The rest of the money can go to an heir or heiress, to ensure that his or her financial burden is lessened in your absence. It can go toward paying their bills and their daily expenses. It can also go to a favored charity if you so choose.

Limitations of Guaranteed Issue Life Insurance (and what you can do about them)

The limitations of a guaranteed issue life insurance policy are mostly contained to those with graded payouts. In other words, if you purchase a policy and then die within the early stages of that policy, your family will not get a full death benefit. They will get a certain percentage, based on how long that policy has been in effect.
The reason for having a graded benefit is due to the fact that insurance companies have often found, in the past, that a person would buy a policy that would pay out in full only to have the policyholder die in just a few short months afterward.
This term of graded benefit payout is typically for a two year period, although some policies go for as long as a five-year period for a graded death benefit payout. Essentially, you can avoid this limitation in two ways:

  • You can search for a policy that has a minimum graded payout time such as many of the regular issue and guaranteed issue life insurance policies we offer.
  • You can purchase a policy well before you expect to die. For example, if you have been diagnosed with a serious illness, you will want to get your policy sooner rather than later.

This advice isn’t as trite as “buy a policy and don’t die,” but it is much wiser to buy a policy earlier on if you find that the policy has a graded death benefit payout. Don’t feel that you are too young to afford life insurance. We have found half a million and million dollar policies for a fraction of what you would think it my cost, often running around $50 a month. If you buy too late, you could end up paying more than your family will get back in the event of your death. When you purchase a policy, try to remain in the best health possible for as long as possible.
The good news is that with the guaranteed issue life insurance policies that our company offers, even if you are not currently in what companies consider good health, we can still cover you for a very competitive price.

Why you need Guaranteed Issue Life Insurance

If you have a pre-existing medical condition or are at an age where regular life insurance will not accept you, then you probably need guaranteed issue life insurance. It will be necessary for both your final expenses and of course, to give your loved ones peace of mind. Not only will they have to cover your funeral and burial expenses, but they will also have to find a way to make due without your income or what you would ostensibly provide to the household. Even if you don’t work, you still bring a valuable asset to your family, and that needs to be covered in the event of your death.
Guaranteed issue life insurance is a sure way to get your final expenses and family bills covered in the event of your death. If you have been turned down by companies due to a health condition, failed the physical examination requirements, or simply go rejected due to your age, sign up with a guaranteed issue life insurance plan, and get your family the coverage that they need and deserve.

Life Insurance and Types

All about life insurance plans and its coverage

While it's true that no one lives forever, death can come unexpectedly. Under these circumstances, it's the family that suffers, especially financially. Life insurance plans are great ways of ensuring that your family or spouse or partner does not have the burden of worrying about finances in addition to mourning your death. Payouts given in each situation will differ from plan to plan but largely, it is believed that you will need to provide anywhere between 5 to 15 times your annual salary to ensure that your family lives in comfort after your death. Life insurance plans are available independently, as well as with health insurance, including guaranteed health insurance plans. Irrespective of whichever option you prefer to choose, it is important to understand the types and other factors regarding coverage.

Types of life insurance plans

Broadly, there are three types of life insurance plans available, which include:

  • Term life insurance plan: This is one of the cheaper and more affordable plans, despite having the same cash out value as other plans. The reason for its affordability is because these payments are made only after the death of the insurer and only if the death is during the period of the insurance. These plans are available for periods ranging from 5 years to 30 years, and are sold in 5 year increments only.
  • Whole life insurance: Although more expensive than the previous one, this life insurance plan is perfect if you are planning for your child's education or your own retirement. This plan offers guaranteed cash payouts at regular intervals, which can be of great help. Additionally, it also pays you dividend, unlike other insurance plans. This is an ideal plan for the young and healthy and who are most likely to live during the term periods. However, this is an expensive option and you have to keep paying your premiums to keep it going.
  • Variable life insurance: This is a permanent type of insurance where you have control over your money. In short, you will have control over how your cash out is invested and where. You can choose from conservative and safe options to really risky ones, based on your own expertise in the area. However, this is again an expensive option to choose.

When choosing life insurance, it's important to finalize on a cash value that you would like. Multiplying your annual salary by 5 or 7 will help you get a good figure that you might want to opt for. When calculating your insurance coverage, it's highly advisable to take all your debts into account, to ensure that you do not overspend.