You’re Approved for Life Insurance Without Answering Any Health Questions! Your Acceptance is Guaranteed in Top-Rated Guaranteed Issue Life Insurance Plans.
Never Worry About a Medical Exam Again. You Will Be Approved for Guaranteed Life Insurance Coverage Without Taking a Medical Exam or Physical. No Health Screening Required!
Worried About Getting Declined? With Guaranteed Acceptance Life Insurance You Will Not Be Denied Coverage. Everyone Is Accepted Even With Pre-Existing Medical Conditions and Poor Health!
Looking for life insurance coverage with no exam or health questions required?
Guaranteed Approval Insurance is the leading independent agency in guaranteed issue life insurance coverage.We help people secure coverage who have:
We work with top-rated life insurance companies who will offer you coverage guaranteed! No one is turned down or denied for a policy. You will be accepted regardless of your health and without answering any medical questions.
Here’s more information guaranteed life insurance:
Guaranteed Issue Life Insurance is simply a life insurance policy that is offered to people who cannot get any other type of life insurance coverage. It’s typically a whole life insurance policy with guaranteed acceptance and requires no health questions or medical exams.
Guaranteed Issue Whole Life is offered to men and woman ages 45 to 85. Because everyone is accepted, these polices are more expensive than other types of coverage. There is typically a waiting period (most guaranteed polices have a 24-month waiting period) before a death benefit is paid out. If you pass away before the waiting period is up, your premiums are refunded to the beneficiary with interest!
It’s a great option for people who have been unable to secure coverage due to health issues but would like to protect loved ones by leaving money to cover burial and funeral costs. With guaranteed issue coverage, you’re able to buy a policy with a face amount typically between $5,000 and $25,ooo without answering any health questions.
You should consider this type of policy if you need:
In this section, we want to explain to you that there are disadvantages to purchasing a guaranteed issue life insurance policy. Here’s a quick breakdown of these disadvantages:
The most important thing for you to understand is that there will be a waiting period before a death benefit is paid out. Typically, there is a 2-year waiting period. If you pass away before the waiting period is over, your beneficiary will only receive back the premiums you paid along with interest.
Example: You purchased a $10,000 guaranteed life insurance policy that has a 2-year waiting period on the death benefit. This means that if you pass way during the 2-year waiting period, your beneficiary will be refunded your premiums plus interest on that money (most common interest rate paid is 10%). After the two year waiting period is up, your beneficiary will receive the full $10,000 death benefit amount.
Guaranteed Issue Life Insurance is great for folks looking for smaller amounts of coverage like $4000, $7000, $20,000 or even $25,000. But, it’s definitely a disadvantage if you need more coverage. Often times, we are able to help our clients secure a graded benefit or even level benefit whole life insurance that will provide much more coverage.
Here’s more information on other guaranteed whole life insurance options:
Yes, the good news is some people can qualify for coverage without a waiting period.
In a nutshell, there are 3 different types of whole life insurance coverage that pays out benefits in the $3,000 to $25,000 death benefit range. These policies are often used for funeral costs, burial expenses, and other final expenses. The 3 options are:
Our job is to help you determine what type of coverage you qualify for and is best for your situation. We are experts in life insurance for seniors and will help you review all options available. Often times, we can seniors secure day 1 level-benefit coverage even with severe health issues. Each life insurance company has different guidelines and it’s our job to match you with the company that will view your health the most favorable!
Enter your text here...