What is Guaranteed Issue Life Insurance?
Most life insurance policies are subject to underwriting of risk factors, medical history, and completion of a medical exam. Guaranteed Issue Life Insurance offers coverage with:
- Limited or no medical questions
- No medical exam
- Quick-issue without writing to your doctor
Who should purchase Guaranteed Issue Life Insurance?
If you have been declined for life insurance and we are unable to help you secure underwritten coverage, Guaranteed Issue Life Insurance may be the right fit for you. Since guaranteed-issue coverage includes a graded death benefit, it is an option of last resort for the uninsurable. A graded death benefit will return the premiums paid plus interest if death occurs in the first two or three policy years (depending on age) – the full death benefit is paid beginning after the graded period expires. If you are healthy and simply do not want to take a medical exam, please visit our section on No Exam Life Insurance.
How can I get a quote for Guaranteed Issue Life Insurance?
If you would like a personalized quote for Guaranteed Issue Life Insurance, please give us a call at 1-800-571-2980 any time from 9 AM to 9 PM to discuss your options in further detail or send us an e-mail at Info@terminsurancebrokers.com. We look forward to hearing from you!