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10 Best Guaranteed Issue Insurance

Looking for a guaranteed issue policy that also builds cash value? Guaranteed Issue life insurance offers lifelong coverage, a payout for loved ones, and cash growth at a fixed rate. We’ve ranked top insurers to make it easier for you.
Best Overall
Our Partner
Best for fixed premiums that never increase
  • Age Eligibility: 45 to 85 
  • No medical exams required for coverage approval
#2
Our Partner
Best for high cash value accumulation
  • Age Eligibility: Up to 85 years old
  • Strong focus on investment-backed whole life policies.
#3
Our Partner
Best for quick comparison of whole life options
  • Age Eligibility: Up to 85 years old
  • Allows easy comparison of policies from top-rated carriers
#4
Our Partner
Best for cost-effective, long-term coverage
  • Offers term and permanent life insurance through SelectQuote
  • Policyholders may covert a term life policy to a permanent one without a medical exam

Best Overall
Our Partner
Best for fixed premiums that never increase
  • Age Eligibility: 45 to 85 
  • No medical exams required for coverage approval