Guaranteed Issue Whole Life Insurance

Guaranteed Issue Whole Life Insurance is a simple and affordable guaranteed issue life insurance policy designed to cover expenses like medical bills, credit card debt or funeral costs, and can help protect your loved ones from future financial burdens.

Guaranteed Issue Whole Life (GIWL) is designed to provide you with comfort and peace-of-mind for just a few dollars a day. Plus, it includes benefits typically available only in more expensive policies. Best of all, acceptance is guaranteed. From application to policy issue, the process is simple, short, and pain-free! If you are age 50-80, with Guaranteed Issue Whole Life Insurance, sometimes referred to as Guaranteed Acceptance Whole Life Insurance, you can’t be turned down for health reasons, and you can receive a permanent, guaranteed issue life insurance policy without having to qualify for coverage based on your health. The benefits from this guaranteed acceptance life insurance can lend a helping hand for your loved ones during a difficult time.

Guaranteed Acceptance Life Insurance
Permanent protection that lasts you a lifetime – You are automatically qualified, and we guarantee that we will not turn you down.

No Medical Exam Required
This guaranteed issue life insurance product requires NO medical exams or health questions that can cause traditional life insurance costs to skyrocket.

Up to $25,000 in Life Insurance Coverage
Get a guaranteed issue life insurance policy starting with coverages from $5,000 all the way up to $25,000.

Living Benefits are Included – at NO EXTRA COST

• Chronic Illness – This benefit returns all of the premiums paid and is triggered when the insured cannot perform at least 2 of the 6 “activities of daily living” (bathing, continence, dressing, eating, toileting, transferring) or is diagnosed with a severe cognitive impairment like Alzheimer’s or dementia.
  

• Terminal Illness – This benefit provides 50% of the applicable death benefit at the time of acceleration. Terminal Illnesses are illnesses or physical conditions that are certified by a physician to be reasonably expected to result in the insured’s death within 24 months from the date of certification.
  

Guaranteed Level Life Insurance Payments
Premiums for our guaranteed acceptance life insurance policies are level (or fixed premiums) and are guaranteed not to increase during the life of the policy.

Life Insurance Developed for Seniors (Ages 50-80)
Guaranteed Issue Whole Life Insurance was built for affordability with lifetime protection that is both practical and versatile.

Many people wonder what the difference is between traditional Whole Life Insurance and Guaranteed Whole Life Insurance. It can help to compare the two types of whole life insurance to determine which type of life insurance is best for your particular situation. Whole life insurance is a type of permanent life insurance coverage that provides a guaranteed death benefit along with guaranteed cash values. Part of each premium payment is applied to the policy’s cash value account, which grows on a tax-deferred basis (based on current federal tax laws).

With some guaranteed life insurance policies, like Guaranteed Issue Whole Life Insurance, they provide what is known as a graded death benefit. Within the first two years of policy issuance, if a natural death occurs, the benefit can be 110% of the actual premium paid. If an accidental death occurs, the benefit will be the face amount of the policy. And after the two years, the benefit will be the full face amount of the policy. This graded benefit guaranteed whole life insurance product may be an option for people who want the protection of permanent life insurance coverage, but due to possible health concerns may not qualify for any other permanent life insurance plan.