Guaranteed issue (GI) life insurance is the safety net of the insurance world — every applicant ages 50–80 is accepted, no matter their health history. There are no medical exams, no health questions, and no way to be declined. In exchange, most GI plans include a 2-year graded benefit period during which natural-cause deaths return only premiums paid plus interest.
Every applicant 50–80 is approved regardless of any health condition.
Not even a single question about your medical history.
Most carriers pay the full benefit for accidental death immediately.
After the graded period, the full death benefit is paid for any cause.
Anyone with serious health conditions, anyone who's been declined for other coverage, or anyone who wants complete certainty of acceptance.
Most GI plans return all premiums paid plus 10% interest for natural-cause death, and pay the full benefit for accidental death.
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