Guaranteed issue life insurance accepts everyone ages 50-85 with no health questions and no medical exam. Approval is automatic. The tradeoff: higher premiums and a 2-3 year waiting period before full death benefits apply.
Guaranteed issue (GI) is a type of burial insurance designed for people who can't qualify for standard coverage due to health issues.
Key Features
- No health questions — None. Zero. You cannot be declined.
- No medical exam — No blood work, no doctor visits
- Automatic approval — If you're 50-85 and can pay, you're in
- Waiting period — Full benefits don't kick in for 2-3 years
- Higher cost — Expect to pay 30-50% more than simplified issue
The Waiting Period
This is the main catch. During the first 2-3 years:
- If you die from natural causes → beneficiary receives premiums paid + 10% interest
- If you die from accident → full death benefit (accidental death is usually covered immediately)
- After waiting period → full death benefit for any cause of death
Who Should Consider Guaranteed Issue?
- Anyone declined for simplified issue coverage
- People with serious conditions: dialysis, oxygen dependency, recent cancer, CHF
- Those in assisted living or nursing facilities
- Anyone who values simplicity and certainty over cost
If you're relatively healthy, always try simplified issue first — it's cheaper and has no waiting period.
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State-Regulated Programs • No Medical Exam
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