10 Best Guaranteed Issue Life Insurance
Looking for Guaranteed Whole Life Insurance?
Fixed Premiums and Benefits with Zero Medical Barriers
- Age Eligibility: 45 to 80
- Fixed premiums and coverage amounts up to $25,000 for final expenses.
- Access living benefits for chronic or terminal illness at no extra cost.
Permanent Coverage, and Fast Payout in Under 24 Hours
- Age Eligibility: 45 to 85
- No medical exams required for coverage approval.
- Fixed premiums that never increase over the life of the policy.
Skip Medical Exams—Get Lifetime Coverage in Minutes
- Permanent life insurance up to $1M with cash value growth.
- Tax-advantaged & safe from market downturns.
- Ideal for ages 25-50 with flexible premiums.
Fixed-Rate Whole Life that Builds Tax-Deferred Cash Value
- Competitive pricing for high cash value growth.
- Access funds for life's milestones without compromising your coverage.
- Lifelong coverage with tax-deferred cash value growth and flexible access.
See Tailored Life‑Insurance Options Side‑by‑Side Before You Apply
- Lifelong coverage with flexible premiums
- Grow tax-efficient wealth inside your life insurance policy that you could access while alive
- Adjust your death benefits and premiums to fit your evolving needs
Guaranteed Future Insurability for your Child
- Childhood premium never goes up during the life of the policy
- Coverage automatically doubles during the year your child is 18—at no extra cost!
- Choose from $5,000 to $50,000 of whole life insurance protection
Lifetime Protection Supported by Top Ratings from Major Agencies
- Age Eligibility: Up to 90 years old
- Offers customizable coverage with dividend eligibility.
- Provides strong financial stability and reputation for reliability
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Lifetime Coverage with Cash Value that Never Drops
- Guaranteed payout, cash value growth, and dividends all in one policy
- Legacy of dividend payouts since 1872
- Access to flexible policy loans and withdrawals
What is Whole Life Insurance?
Permanent policies like whole life and universal life provide coverage that lasts your entire life and include a cash value component you can borrow against. These are often used for estate planning, building wealth, or supporting a dependent with lifelong needs.
While they offer long-term benefits, permanent policies come at a higher cost. They may not be necessary for everyone—especially if your main goal is protecting your income while raising a family or paying down debts.
What is Guaranteed Whole Life Insurance?
Guaranteed whole life insurance—often called final expense or burial insurance—is designed to help cover end-of-life costs like funeral expenses, medical bills, or small debts. These policies offer lifelong coverage with guaranteed approval for most applicants between ages 50 and 85.
Coverage amounts are smaller (typically $2,000 to $50,000), but the application process is simple, with no medical exam and fixed premiums that never increase.
It’s a practical option for older adults who want to ease the financial burden on loved ones without the cost or complexity of larger life insurance policies.