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Instant Life Insurance Coverage
Traditional life insurance plans often require a medical exam or health questions to determine an applicant's risk level and premium. But with a guaranteed issue life insurance policy, you can secure coverage in an instant — no health questions or medical exam required.
Guaranteed Issue Life Insurance
Guaranteed issue life insurance policies are usually available to people in certain age ranges (50-85 for example), regardless of any current or past health conditions. Because you don't have to answer any medical questions or pass a medical exam, the approval process for guaranteed issue life insurance is straightforward.**
Keep in mind that although approval times may be fast, premiums tend to be substantially higher per dollar of coverage for guaranteed issue policies. Additionally, most guaranteed issue policies have a smaller face value than other life insurance types and may not pay out in full if the policyholder dies within two years of taking out the policy.
Determining Your Needs
Another way to speed up the process of securing a life insurance policy is to determine how much life insurance you need before you begin the application process. Although you can purchase guaranteed issue life insurance policies quickly, the small payout they provide may not work for you.
Guaranteed issue life insurance policies are ideal for people wanting to cover their funeral and burial costs, medical expenses and other small debts when they die, rather than leaving these financial burdens to their dependents. Keep in mind that your beneficiaries may use the proceeds from the policy however they wish.
A licensed agent can help you better understand your options and match you with a life insurance policy that works for you. Speak with a licensed agent at 800-966-7169 or read through our guide, Determining Your Life Insurance Needs to learn more.
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*Guaranteed issue life insurance policies are available to individuals within a certain age range. You will receive only the benefit amount in the policy issued. Plans may have a graded death benefit for the first two years. In order for the policy to remain in effect, premiums must be paid as they become due.