Guaranteed Issue Life Insurance by State

Coverage by state

Guaranteed Issue Life Insurance by State

We’re an independent brokerage licensed in 27 states. Choose yours to see how guaranteed issue works there, what a funeral really costs locally, and which top-rated carriers we compare for your family.

Guaranteed issue life insurance accepts you with no health questions and no medical exam, so it’s a common fit for people who’ve been declined elsewhere. The basics are the same everywhere, but funeral costs, state taxes, and available carriers vary by state. Pick your state for the local details.

Not sure which plan fits?

Tell us your age and the coverage you want. We’ll compare carriers in your state — and check whether you qualify for a cheaper simplified-issue plan. No health questions to get a number.

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Independent guidance from a licensed broker. No broker fees. Guaranteed and simplified issue product availability, issue ages, coverage limits, and waiting periods are set by each carrier and confirmed in the application for your state. Funeral-cost figures are planning estimates, not quotes.

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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 18–85 (varies by carrier).

Coverage

By Situation

Company

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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