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If you have had problems qualifying for life insurance, we can help you with one of our guaranteed issue life insurance policies. As independent agents, we represent the top guaranteed issue life insurance companies.
When applying for guaranteed issue life insurance, no physical examination is required. Generally, being able to answer "no" to a few simple questions ( see example questions ) will qualify you for virutally guaranteed issue life insurance.
We also represent some companies that offer guaranteed issue life insurance with no exam and NO health questions. These plans offer coverage even if you are on kidney dialysis, are living with AIDS/HIV or have any other medical condition.
Guaranteed issue life insurance provides a graded benefit. That is, the full death benefit amount of the policy will be paid to the beneficiary after a specified period of time from the issue date of the policy. If death occurs prior to the end of that period of time ( usually two or three years ), the beneficiary receives a return of paid premiums plus interest. Once that period of time has passed, the full death benefit amount is paid to the beneficiary upon the death of the insured.
Request A Guaranteed Issue Life Insurance Quote.
We represent several carriers that offer guaranteed issue life insurance. Maximum death benefits of $10,000 to $50,000 are available, depending upon the company. We can occasionally obtain higher limits for our clients. Our guaranteed issue life insurance policies all build guaranteed cash values within the plans.
If you have been refused life insurance or cannot find coverage due to medical history, hazardous employment or a dangerous hobby, please request a guaranteed issue life insurance quote now.
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