Guaranteed Issue (GUI)
Life insurance coverage designed for individuals who may have difficulty qualifying for
traditional coverage due to age or health concerns.
What Is Guaranteed Issue Life Insurance?
Guaranteed Issue Life Insurance is a type of permanent life insurance designed for individuals who may have been declined for coverage in the past or have health conditions that make traditional underwriting difficult.
Unlike many traditional policies, Guaranteed Issue coverage generally does not require medical exams and typically asks few or no health questions.
This makes it an option worth exploring for those seeking coverage later in life.
Who it’s For
Individuals and families looking for lifelong protection while building tax-advantaged financial value over time. Commonly used by those who want more flexibility than traditional savings, including high-income earners, business owners, and anyone planning for future income or legacy strategies.
What You Get
Lifetime death benefit when structured and funded properly
Cash value growth potential tied to a market index with downside protectionTax-advantaged access to available cash value through policy loans. Flexible premium and benefit options designed around your financial goals.
Why Families Choose
Guaranteed Issue Coverage
Many people believe that once they reach a certain age or develop health conditions, obtaining life insurance is no longer possible.
Guaranteed Issue coverage was created to help address that concern.
Families often choose Guaranteed Issue because they want:
✓ Burial & Funeral Protection
✓ Coverage Despite Health Challenges
✓ Simplified Approval Process
✓ Permanent Coverage
✓ Financial Support for Loved Ones
✓ Peace of Mind
Help Protect Loved Ones From Final Expenses
The average funeral and burial costs can place a financial burden on surviving family members.
Many individuals purchase Guaranteed Issue Life Insurance to help provide funds that may assist with:
Funeral Costs
Burial Expenses
Cremation Expenses
Outstanding Bills
Medical Expenses
Family Financial Support
The goal is simple: help loved ones focus on healing rather than unexpected financial obligations.
Coverage Designed For Individuals
With Health Concerns
Many applicants explore Guaranteed Issue coverage because they have experienced:
✓ Heart Conditions
✓ Diabetes
✓ Cancer History
✓ COPD
✓ Stroke History
✓ Kidney Disease
Other Serious Health Conditions
Coverage availability and policy provisions vary by carrier and state.
No Medical Exam Required
One of the most attractive features of Guaranteed Issue coverage is its simplicity.
Many policies:
✓ Require No Medical Exam
✓ Offer Simple Applications
✓ May Provide Fast Approval Decisions
✓ Provide Permanent Coverage Options
For many individuals, this removes the stress often associated with traditional life insurance applications.
Is Guaranteed Issue Right For You?
Guaranteed Issue may be worth exploring if:
✓ You Have Been Declined Before
✓ You Have Serious Health Conditions
✓ You Want Funeral Protection
✓ You Want Permanent Coverage
✓ You Prefer A Simplified Application Process
✓ You Want To Leave Something Behind For Your Family
Leave Your Family With Memories, Not Expenses
Protect The People Who Matter Most
The loss of a loved one is difficult enough without the added stress of unexpected financial obligations.
Funeral expenses, burial costs, medical bills, and other final expenses can create a financial burden for surviving family members during an already emotional time.
Many families are surprised to learn that funeral and burial expenses can easily cost thousands of dollars.
Guaranteed Issue Life Insurance is often used to help provide funds that may assist with:
Funeral Costs
Burial Expenses
Cremation Costs
Medical Bills
Outstanding Debts
Family Financial Support
For many individuals, the real value isn't the policy itself—it's knowing their family may have one less thing to worry about when the time comes.
Common Questions
1. What Is Guaranteed Issue Life Insurance?
Guaranteed Issue Life Insurance is designed for individuals who may not qualify for traditional life insurance due to age or health concerns.
2. Do I Need A Medical Exam?
Most Guaranteed Issue policies do not require a medical examination.
3. Can I Get Coverage If I Have Health Conditions?
Many individuals with serious health conditions explore Guaranteed Issue coverage because approval requirements are generally simplified.
4. Is Coverage Permanent?
Many Guaranteed Issue policies offer permanent life insurance coverage designed to remain in force as long as premiums are paid.
5. What Can The Benefit Be Used For?
Beneficiaries may use the proceeds for funeral expenses, burial costs, medical bills, debts, or other financial obligations.
6. Can I Be Declined?
Guaranteed Issue products are designed to make coverage more accessible however, eligibility requirements vary by carrier and state.
Talk to an agent
Request your term life review Share a few details about your situation, and a licensed Financiko professional will connect with you to guide your next steps.
Not sure if guaranteed Issue is the right fit?
Take a minute to tell us what you’re trying to do, and we’ll point you to the product (or combination) that makes sense.
Licensed insurance professional helping individuals, families, and business owners protect what matters while building a stronger financial future.
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