Guaranteed Issue Life Insurance in Washington
Updated November 14, 2026
The quick answer for Washington
Yes, Washington residents can get guaranteed issue life insurance with no health questions and no exam, even after a decline. It costs the most per dollar, though, so use it as a safety net, not a starting point.
Guaranteed issue is simple: small whole life coverage, usually $2,000 to $25,000, for a funeral and final bills. The price never changes.
Before you go there, it’s worth a quick check. Plenty of people with health issues still qualify for a level (simplified issue) or graded/modified plan, which costs less and often pays sooner.
What a funeral costs in Washington
| Funeral with viewing and burial (Pacific region) | about $7,835 |
|---|---|
| Same funeral, national average | about $8,300 |
| Cemetery plot, opening and headstone | Extra |
NFDA 2023 regional averages. Your funeral home’s price list is the final word.
Washington’s region runs a bit under the national average. Cemetery costs can differ a lot between the Seattle area and eastern Washington, so get local prices.
How much coverage to buy
For a traditional burial, $10,000 to $15,000 usually does it once the cemetery is added. Cremation often takes $5,000 to $8,000. Our cremation vs. burial guide walks through it.
Choose a payment that fits easily. The coverage only helps if you can keep it.
How it works, in plain English
Everyone in the age range is accepted. In return, there’s a waiting period of about two years. If you pass away from an illness during it, your family gets back what you paid plus interest. After that, the full amount is paid. Accidents are usually covered right away.
| Level benefit (simplified issue): a few yes/no questions | Full payout from day oneLowest price |
|---|---|
| Graded / modified benefit: fewer, easier questions | Partial payout in years 1–2Varies by carrier |
| Guaranteed issue: no questions at all | About a 2-year waitHighest price |
More detail lives in our guaranteed issue guide and level vs. graded comparison.
Companies to know in Washington
Plans and availability vary by state and change over time. These are well-known companies in this market:
Is guaranteed issue right for you?
Good fit if
- Final expense companies have already said no
- You’re in active treatment right now
- You want $2,000 to $25,000 for final costs
Try something cheaper if
- Your conditions are treated and stable
- You want full coverage on day one
- You need more than $25,000
Not sure? See conditions that usually don’t need guaranteed issue.
Good to know in Washington
- 10 days to change your mind. Every new life policy in Washington comes with a 10-day free look. Not happy? Send it back for your money.
- Honest answers matter. The state’s insurance office notes that wrong health answers can lead to a canceled policy. If you’re unsure, look it up first.
- Few people are in perfect health. That’s the state’s own advice, and it’s true: many people with a health history still get good coverage.
- Tell your family. Keep the policy with your important papers and let your beneficiary know.
Quick questions
Can I get covered if I was declined before?
Yes. Guaranteed issue doesn’t ask about health. It’s still worth checking the cheaper options first.
Will my price go up later?
No. The premium is locked in for life.
Is there a medical exam?
No. Level and graded plans ask a few questions. Guaranteed issue asks none.
How fast does my family get paid?
A named beneficiary is paid directly by the insurer, usually within a few weeks, without probate.
Can I buy a policy for my mom or dad?
Yes, as long as they agree and sign the application.
Sources
The bottom line
Guaranteed issue is a solid safety net in Washington, but most people should try a level (simplified issue) or graded/modified plan first. Plan on $10,000 to $15,000 for a traditional funeral, less for cremation, and use your 10-day free look to double-check the details.
General education only. This page is not an offer to sell insurance in Washington. Ages, limits and waiting periods vary by carrier.
More states on the way
We add new state guides regularly. Need coverage in a state that isn’t listed yet? Get a free quote or call (215) 999-3168 and we’ll tell you what’s available where you or your family live.