What It Is
Guaranteed issue life insurance accepts every applicant - no health questions, no medical exam. The trade-off is a graded death benefit: if you die in the first 2-3 years of non-accidental causes, the policy returns premiums (plus interest) rather than paying the full death benefit.
When It Makes Sense
- You've been declined by traditional carriers
- You have a serious recent diagnosis
- You're an older applicant with multiple conditions
When It Doesn't
- You're in reasonable health - guaranteed-issue premiums are 2-3x higher than even rated traditional policies
- You can wait 6-12 months for stability post-event and try traditional again
What We Do
Pre-screen with three traditional impaired-risk carriers first. Guaranteed-issue is the backup, not the first stop.