Guaranteed Issue

Peace of mind doesn't have to break the bank.

Guaranteed issue life insurance is a type of life insurance policy that does not require the policyholder to undergo a medical exam. This means that regardless of your health status, you will be able to get coverage.

A Permanent Life Insurance Policy

Guaranteed issue life insurance is a permanent life insurance policy available without a medical exam.

No Medical Exam Required

Because guaranteed issue life insurance does not require a medical exam, coverage amounts are typically lower than life insurance policies that include a medical exam.

Ideal Coverage Options

A guaranteed issue life insurance policy can be an ideal coverage option for people who don’t qualify for other types of life insurance because of their health.

SSTX Financial Offers Life Insurance with No Medical Questions

Guaranteed issue life insurance is a type of life insurance policy that is available to people with preexisting medical conditions. Premiums for this type of policy are typically higher than those for traditional life insurance policies, but they can be a good option for people who cannot qualify for other types of coverage.

In most cases, guaranteed issue life insurance policies have limited benefits and are only meant to provide financial protection for your loved ones in the event of your death. Typically, these policies have a death benefit of $25,000 or less.

If you have a preexisting medical condition, you may be able to find coverage through a guaranteed issue life insurance policy. This type of policy does not require a medical exam, and it is guaranteed to be issued regardless of your health status. premiums for this type of policy are typically higher than those for traditional life insurance policies, but they can be a good option for people who cannot qualify for other types of coverage.

If you are looking for a life insurance policy that does not require a medical exam and offers more comprehensive coverage, you may want to consider a no medical exam life insurance policy. These types of policies are typically more expensive than guaranteed issue life insurance policies, but they offer much more coverage.

No matter what type of life insurance policy you are considering, it is important to shop around and compare rates from different insurers before making a decision. This will help you find the most affordable policy for your needs.

Should I Get Guaranteed Issue Life Insurance?

There are a few circumstances that may make a guaranteed issue life insurance policy worth it for you. Some insurance companies will shy away from customers with serious health issues, but SSTX Financial knows that everyone could benefit from a life insurance policy to fit their needs.

Typically, those who are terminally ill, on dialysis, need an organ transplant, are on hospice, have a chronic illness, have AIDS or HIV, or have Alzheimer’s or dementia, have a more difficult time finding the right coverage.9 That’s where some type of guaranteed acceptance life insurance with no health questions could come in.

Guaranteed issue life insurance exists to help those with serious health problems find the coverage they need. These plans may help prevent consumers from being turned down based on their medical history. If you or someone you know is battling a serious illness, life insurance without medical questions could make all the difference for their loved ones.

Guaranteed life insurance for seniors may be particularly helpful as new health conditions can arise with age. This type of plan could make coverage possible, even if you have a new diagnosis. At SSTX Financial, you can explore term and whole life insurance options for seniors, with enhanced benefits to fit your lifestyle.