Yes. An insurer can decline an application when policy eligibility rules are not met. Guaranteed issue describes acceptance for eligible applicants; age, residence, and other policy requirements may still apply.
Whether an insurer accepts an application depends on the specific policy and its eligibility rules.
Simplified issue
These policies may ask health questions and may decline an applicant. The questions and decision criteria vary by insurer.
Guaranteed issue
A guaranteed issue policy generally requires acceptance when the applicant meets that policy’s eligibility requirements. It does not establish that everyone qualifies, that a policy is available in every state, or that the full death benefit begins immediately. Ask for the written eligibility and benefit terms before applying.
Explore an Estimate
Explore a site-modeled estimate by ZIP code. Confirm actual premiums, eligibility, and benefits with an insurer or licensed agent.
Burial Insurance Rates in Your Area
Informational Cost Estimate • Confirm Policy Terms
Modeled estimate only. This is not an insurer quote or a determination of eligibility.
This modeled estimate is not an insurer quote or a guaranteed premium: in . Confirm actual premiums and terms with an insurer or licensed agent.
This modeled estimate is not an insurer quote: . Confirm actual premiums, health requirements, and any guarantees in the policy.
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Read Guaranteed Issue Guide🏛️ State Burial Insurance Rate Directories
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