Guaranteed Issue Final Expense Insurance

Guaranteed issue final expense insurance is the easiest type of life insurance to get approved for. There are no health questions. No medical exam. No waiting for underwriting. If you're a Florida resident in the eligible age range, you are guaranteed to be accepted.

This makes guaranteed issue insurance ideal for seniors and anyone with health conditions who has been turned down by other insurance companies.

How Guaranteed Issue Works

With guaranteed issue final expense insurance:

• No health questions — Your medical history is never reviewed
• No medical exam — No doctor visits required
• No underwriting — No waiting for approval
• Guaranteed acceptance — Everyone in the eligible age range is approved
• Level premiums — Your rate never increases
• Lifelong coverage — Coverage stays in force as long as you pay premiums

The Waiting Period

There is one important thing to know about guaranteed issue policies: most carriers include a 2-3 year waiting period (called an "adjusted benefit period"). If you pass away from natural causes within this period, your beneficiaries receive only your premiums paid plus interest (typically 5-10%). However:

• Accidental death is covered from day one — full death benefit
• After the waiting period — full death benefit is paid for any cause

For most people, the waiting period is a small trade-off for guaranteed coverage that was previously unavailable. And for many, the coverage is needed well beyond 2-3 years.

Who Should Consider Guaranteed Issue?

• Seniors who have been declined for other life insurance due to health
• People with pre-existing conditions (cancer, heart disease, diabetes, etc.)
• Anyone who wants the simplest possible path to coverage
• Seniors on fixed incomes who need affordable premiums

Guaranteed Issue vs. Other Policy Types

*Accidental death covered from day one