About Guaranteed Life Insured — Meet Phillip
Updated July 7, 2026
Straight Answers From One Licensed Agent — Not a Call Center
Guaranteed Life Insured is run by Phillip Chin, an independent life insurance agent (NPN #8895251) who specializes in one thing: getting coverage for people the traditional market turns away.
Why This Site Exists
Most life insurance websites are lead farms: you enter your phone number and five strangers call you for a week. This site works differently. There is one agent. You see real rates yourself, and if you want help, you talk to the same person every time.
The focus here is deliberately narrow: guaranteed issue, simplified issue, and final expense coverage for people with serious health conditions or past declines. That niche is full of half-truths — policies sold without explaining waiting periods, graded benefits passed off as full coverage, and guaranteed issue sold to people who could have qualified for something better and cheaper. The fix for all three is the same: explain everything, in writing, before anyone signs.
How Phillip Works
Health profile first
A few minutes of questions about your health history — not to judge, but to route. Each carrier accepts different conditions, and the right match saves real money.
Best product, not biggest commission
Level benefit before graded. Simplified issue before guaranteed issue. You get the cheapest policy you can actually qualify for, with day-one coverage whenever possible.
Everything in writing
Waiting periods, payout schedules, premium for life — documented on every quote. If a policy has a catch, you hear about it from Phillip first.
Carriers We Work With
As an independent agent, Phillip quotes multiple top-rated and established carriers — including Gerber Life, Corebridge Financial (AIG), Aetna, Guarantee Trust Life (GTL) and CICA Life — and places you with whichever one fits your health profile and budget best. No single carrier pays for placement on this site.
- Licensed life insurance agent — NPN #8895251 (verify at nipr.com)
- Independent: contracted with multiple carriers, captive to none
- Specialist in guaranteed issue, simplified issue and final expense
- Clients nationwide, by phone and online
Frequently Asked Questions
Do I pay anything for your help?
No. Agents are paid by the insurance carrier, and the premium is identical whether you buy through an agent or directly. The help costs you nothing — you just get an advocate in the process.
Will I get spam calls after using this site?
No. Your information is not sold to lead vendors. Quote requests come to Phillip, and only Phillip.
What if I am healthier than I think?
Then you will be told exactly that. Plenty of visitors qualify for simplified issue or even fully-underwritten coverage at much better rates — and get pointed there instead.
What states are you licensed in?
Phillip works with clients nationwide. Call (215) 999-3168 and we will confirm licensing for your state on the spot.
Talk to Phillip Directly
One call gets you straight answers: what you qualify for, what it costs, and whether the waiting period applies to you. No pressure, no callbacks from strangers.
Also from Phillip: TheBurialInsurance.com — burial and final expense insurance for seniors · PlanWithPhil.com — life insurance and financial planning for families