Help protect your family’s future. Enter your zip code to get your free quote today!

Get Your Free Quote

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 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 is much faster than other policy types.**

Keep in mind that although approval times may be fast, premiums tend to be substantially higher for guaranteed issue policies. Additionally, most guaranteed issue policies have a smaller face value than other life insurance types and may not pay out 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.

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.

*Applications for insurance may be subject to acceptance by insurer. Rates and coverage amounts will depend upon the carrier selected.

**These plans may have a graded death benefit for an initial period of time. 

Help protect your family’s future. Enter your zip code to get your free quote today!

Get Your Free Quote

Related Information

Guaranteed Issue Life Insurance Options for Seniors

If you can't get approved for other types of life insurance (like a term policy), a guaranteed-issue policy may be an option.

Read More

What Is Guaranteed Acceptance Life Insurance?

Even if you’re a senior and don’t qualify for most life insurance policies, you can likely still get coverage with a guaranteed-issue life insurance plan.

Read More

Life Insurance | Recommended Coverage

Shopping for life insurance? Here are our recommendations for choosing a policy that's right for you.

Read More

Life Insurance Coverage for Military Spouses

Spouses of active military members shouldn't have to worry about the burden of funeral costs or loss of income. Learn about SGLI and FSGLI benefits.

Read More

How Much Life Insurance Coverage Should I Purchase?

Life insurance coverage amounts can range from the thousands of dollars into the millions. Learn how to pick the right coverage amount for you.

Read More

Term Life Insurance: An Overview of Coverage

What does term life insurance cover? Read on to learn how these policies can protect your loved ones' finances.

Read More

What Does Whole Life Insurance Cover?

A whole life insurance policy can be used to cover a wide range of expenses, from funeral and burial costs to your child's education.

Read More

How Long You Need Life Insurance Coverage

How long should you have life insurance for? There are three key indicators that can help you determine the answer.

Read More

Who Needs to Buy Life Insurance?

Life insurance pays money to beneficiaries after the death of a policy holder. Who should buy life insurance and how can the benefits be used?

Read More