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Is Guaranteed Issue Your Only Option? Let’s Find Out.

Guaranteed issue is always available to you, no health questions asked. But many people qualify for something better: a lower price, full coverage from day one, and no 2-year waiting period. Answer a few quick questions and Phillip Chin will personally search every plan you qualify for based on your health, not just the guaranteed one.

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$15,000
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Your Health Profile

Why we ask: guaranteed issue is yours no matter what, no health questions. These questions let Phillip check whether you also qualify for a better plan: lower cost, full coverage from day one, no 2-year waiting period. Answering No to most of them is a good sign. Nothing here can take guaranteed issue off the table.

Have you used any tobacco, nicotine, or marijuana products in the last 5 years? *

Have you ever been diagnosed or treated for lung disease: COPD, emphysema, or asthma? *

Do you require the use of any oxygen equipment or inhalers? *

Have you ever been diagnosed or treated for diabetes? *

Have you ever been diagnosed with cancer? *

Have you ever had kidney insufficiency, dialysis, cirrhosis, or hepatitis? *

Have you ever had a heart attack, bypass surgery, stent surgery, angina, pacemaker, defibrillator, stroke, seizure, or aneurysm? *

Have you ever been diagnosed with congestive heart failure? *

Have you been diagnosed with lupus, multiple sclerosis, Parkinson's, or ALS (Lou Gehrig's)? *

Have you ever been diagnosed or treated for depression, bipolar disorder, schizophrenia, Alzheimer's, or dementia? *

Have you been hospitalized overnight in the past 2 years? *

Are you currently in a hospital, nursing home, hospice, or receiving in-home care? *

Have you used illegal drugs, or been advised to have (or received) treatment or counseling for alcohol or drug use? *

In the past 2 years, have you had any medical test, procedure, or hospitalization that has not been completed, or for which you have not yet received the results? *

Have you been diagnosed with a terminal illness or given a life expectancy of 24 months or less? *

Have you ever been declined, postponed, or rated up for life insurance? *

Reviewed personally by Phillip Chin, licensed independent broker (NPN #8895251). No fees. Your information is never sold.

Prefer to talk it through? Call Phillip directly at (215) 999-3168. Licensed independent broker since 2008. No fees, no pressure.

Phillip Chin
Reviewed by Phillip Chin
Licensed insurance broker since 2008 · NPN #8895251 · Verify at nipr.com
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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 β€” ages 18–85 (varies by carrier).
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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 β€” 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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