Guaranteed issue life insurance accepts every applicant within the eligible age range — no health questions, no medical exam, no possibility of being declined based on your health history.
Who It’s For
Guaranteed issue policies exist for people who cannot qualify for traditionally underwritten coverage or even simplified issue final expense policies due to serious health conditions. If you’ve been declined elsewhere, this is typically the option of last resort that still provides meaningful coverage.
Common Qualifying Situations
- Active cancer treatment or recent cancer diagnosis
- Congestive heart failure (CHF)
- Recent heart attack or stroke (within 2 years)
- Organ transplant history
- HIV/AIDS diagnosis
- Dialysis or end-stage renal disease
- Alzheimer’s or dementia diagnosis
- Confined to a nursing home or requiring daily assistance
Key Features and Trade-offs
Is Guaranteed Issue Right for You?
If your health allows you to answer health questions on a simplified issue final expense policy, you’ll almost always get better rates that way. Guaranteed issue should be considered when you’ve been declined or when your health conditions make simplified issue unavailable. We’ll help you determine which path makes sense before any application is submitted.
Been Declined Before? We Can Help.
We’ll find the right option for your situation — whether that’s guaranteed issue or something better you may not have considered.