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Guides & Articles

Honest answers by condition: can you get covered, what does it cost, and what is the catch? Search your condition or browse below.

Heart & Circulation

❤️Recent Heart AttackCovered today — cheaper coverage at year two 💙Congestive Heart FailureThe realistic path, by heart-failure class 🫀Recent Strokemini-stroke vs. full stroke — and the 2-year upgrade

Cancer & Immune System

🎗️Active or Recent CancerYour real options, even during chemo 🧬HIV / AIDSWhat actually works in 2026 🦋Lupus & Autoimmunerheumatoid arthritis, multiple sclerosis, Crohn’s — sorted by what it actually does

Brain & Nervous System

🧠Dementia / Alzheimer’sWhy the legal capacity window matters 🦽ALS (Lou Gehrig’s)An honest guide for families 🤲Parkinson’s DiseaseStage-by-stage guide with favorable math ⚡Epilepsy / SeizuresThe seizure-free calendar that decides

Lungs, Kidneys & Liver

💨COPD on OxygenYes, you can still get covered 🩺Kidney Failure / DialysisPlus how a transplant reopens options 🫘Liver DiseaseFatty liver to cirrhosis — stage by stage

Metabolic & Weight

💉Diabetes With ComplicationsWhere carriers really draw the line ⚖️Obesity / High BMIWhy one build chart decline means nothing

Mental Health & Recovery

💚Mental HealthDepression, anxiety, bipolar — what carriers ask (and don’t)🩹Chronic PainIt’s the prescriptions, not the pain 🌱Addiction RecoveryThe sobriety timeline that counts

Situations

📋Multiple ConditionsWhen one bad answer fails the whole application 🏥Recently HospitalizedWhich carriers work from a hospital bed 🚫Declined Before?Your 3-step comeback plan 🤔Think You Need guaranteed issue? Maybe Not10 conditions that usually pass health questions

No guide for that yet — but that does not mean no coverage. Call Phillip at (215) 999-3168 and get a straight answer for your exact situation.

Coverage Guides

Start here if you want to understand the products themselves.

Guaranteed Issue Life InsuranceThe pillar guide: no questions, no exam, no declines Simplified Issue Life InsuranceA few questions, better rates, day-one coverage Final Expense & Burial InsuranceProtect your family from the $8,000–$12,000 bill Level vs. Graded BenefitThe difference that decides your family’s payout Declined Before?Your 3-step comeback plan after a decline

Guaranteed Issue Classics

Our original deep-dives on guaranteed acceptance coverage.

Pros and Cons of Guaranteed IssueThe honest trade-offs Top guaranteed issue CompaniesCarriers compared Coverage for SeniorsOptions at 65, 75 and beyond Coverage Under 50Younger applicants’ options Easy Coverage ExplainedHow no-question approval works

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Tell Phillip your situation and get a straight answer about what you qualify for and what it costs. Or see live rates yourself in about 60 seconds.

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Guaranteed Life Insured

Guaranteed acceptance life insurance for people who have been told no. No exams, no health questions, no declines — ages 40–85.

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Agent & Licensing. GuaranteedLifeInsured.com is owned and operated by Phillip Chin, a licensed life insurance agent (NPN #8895251). Phillip works with clients nationwide; licensing for your state is available upon request, and any agent’s license can be verified through the National Insurance Producer Registry at nipr.com.

About This Site. This website provides general information about life insurance and connects consumers with licensed insurance carriers. It is not affiliated with, connected to, or endorsed by any government agency. Guaranteed Life Insured is an independent insurance agency; insurance products are issued and underwritten solely by the respective insurance carriers. All product guarantees are subject to the claims-paying ability of the issuing insurance company.

Rates & Availability. Sample rates shown on this site are for illustration purposes only and are not an offer of coverage or a guarantee of premium. Actual rates and product availability vary by state, age, sex, coverage amount and issuing carrier. Benefits, riders, exclusions and terms vary by state — refer to policy documents for the terms that apply in your state.

Graded Death Benefit Disclosure. Guaranteed issue (guaranteed acceptance) whole life policies contain a graded death benefit. If death occurs from natural causes within the first two to three policy years (varies by carrier and state), the benefit is limited to a return of premiums paid plus interest (typically 7%–10%). Death due to accident is generally covered in full from the policy effective date. See your policy for exact provisions.

Privacy. Information submitted through quote forms is used only to provide insurance quotes and service and is never sold to third-party lead vendors. See our Privacy Policy and ADA Compliance Statement.

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