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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 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.