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What is guaranteed issue life insurance?
Guaranteed issue life insurance is a type of life insurance policy that offers coverage to individuals without requiring them to undergo a medical examination or answer health-related questions. This means it’s just as the name implies: guaranteed. If you’re between the ages of 45-85, you can’t be turned down. Therefore it’s typically a good option if you’re a senior, have pre-existing medical conditions, or have been denied coverage in the past.
Guaranteed issue life insurance, along with simplified issue policies, falls under the category of final expense insurance. It can be daunting to obtain life insurance if you have concerns about your age or health, but both guaranteed issue and simplified issue can help ensure your loved ones are protected in case the unexpected happens. We can help you explore all the life insurance options available to you—including guaranteed issue whole life insurance—in just minutes to see what policy and coverage makes the most sense for you and your situation.
Benefits of Guaranteed Issue Whole Life Insurance
As you’re shopping for life insurance, it’s important to find a policy that accounts for your financial needs and health concerns. If you’re looking for coverage without needing to complete a medical exam, guaranteed issue whole life insurance may be the right policy type for you. Here are a few key benefits of a guaranteed life insurance plan:
Guaranteed Acceptance Life Insurance
Guaranteed issue whole life insurance is often easier to obtain than traditional term or whole life insurance due to its guaranteed approval. If you’re between the ages of 45-85, you can’t be turned down. Guaranteed issue life insurance can be preferred for someone who needs coverage immediately or who believes a medical exam or questionnaire might work against their favor for coverage.
No Medical Exam, Medical Records, or Database Check
One of the biggest benefits of a guaranteed issue life insurance plan is that it doesn’t require a medical exam, submission of medical records, or any database check. This will not only save you time but can be a huge benefit if you’re concerned your current or previous health will work against you in terms of approval.
No Health Qualification Questions
While simplified life insurance is determined by a health-related questionnaire, guaranteed issue doesn’t require this step, making it one of the most accommodating forms of life insurance available. There are no health questions required, but there is a basic application that has to be completed to obtain guaranteed issue life insurance.
Life Insurance Coverage up to $25,000
If you’re between the ages of 45-85, you can get guaranteed issue whole life insurance coverage up to $25,000. Guaranteed issue covers accidental death from day one, however, it does not cover death by natural causes within the first two years of coverage. That being said, in the event of a natural death within the first two years, premiums paid on the policy are paid back to beneficiaries.
What if I need more than $25,000 in life insurance coverage?
While guaranteed life insurance can offer you and your loved ones peace of mind, you may require additional protection to provide your family with the financial security they need. If you need more coverage than the $25,000 available with guaranteed issue life insurance, you might look into instant term life insurance or simplified issue life insurance.
If you’re age 60 or younger and in generally good health, you may qualify for up to $5 million in term life insurance coverage without a medical exam through SelectQuote. This is a simple process that takes under an hour to complete. If approved, you can get coverage immediately—much faster than waiting periods for other types of life insurance.
Simplified issue life insurance doesn’t require you to complete a medical exam or provide medical records and can provide you with up to $100,000 in coverage. Instead, you fill out a health questionnaire about your medical history, and the insurance company will check databases like the Medical Information Bureau (MIB) to get a better understanding of your health.
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Get a Guaranteed Issue Whole Life Insurance Policy with SelectQuote
When you’re shopping for life insurance, it’s important to review your options so you can find a policy that’s right for your unique needs. At SelectQuote, we can compare rates and coverages from some of the most trusted companies in just minutes. With nearly 40 years of industry experience, our team of licensed insurance agents is prepared to guide you through the application process to ensure you find a policy and carrier that’s right for you and your loved ones.
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