Guaranteed Issue Life Insurance

Graded Death Benefit Term and Whole Life Insurance Policies
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Guaranteed Issue Life Insurance

A guaranteed issue life insurance policy is issued regardless of the insured's health history.  These plans offer a graded death benefit for the first two or three years of the policy.

These graded death benefit life insurance policies offer individuals with serious health issues that make them uninsurable and unable to obtain life insurance at standard rates, an opportunity to obtain permanent non-participating whole life coverage on a guaranteed issue basis.

Recently, some insurance companies have begun to offer guaranteed issue policies as term insurance plans also.  These plans lock in the rates for a specific term of 10 or 20 years and usually cost less than permanent whole life policies.

Death benefits under these policies are limited in the event of death from other than accidental causes during the first two or three policy years, depending on age at issue, and the company selected.

Please complete this form to get the best quotes for Graded Death Benefit Guaranteed life coverage.
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