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Phillip Chin
Written by Phillip Chin · Licensed Insurance Broker · NPN 8895251 · About Phillip
Updated July 14, 2026

Get Your Free Quote — No Health Questions Asked

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Phillip ChinPhillip Chin, licensed broker (NPN 8895251), personally reviews every quote request. You will never be handed to a call center.

ESTIMATE Rates shown are estimates for illustration only and are not an offer of coverage. Your exact premium is confirmed directly with the carrier before you apply. Phillip — your licensed broker (NPN #8895251) — will review these with you at no cost: (215) 999-3168.

What Happens After You Quote

1

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The quoter shows carrier-based estimates for your age, state and coverage amount — not teaser rates. Your exact premium is confirmed with the carrier before you apply.

2

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If you want help, you get one licensed agent (NPN #8895251) who knows which carriers fit which health situations. No transfer maze, no pressure.

3

Apply in about 15 minutes

No exam, no doctor visits. Most policies can be approved and in force the same day.

Prefer to Talk It Through?

Some situations are easier on the phone — a recent diagnosis, a past decline, or stacking coverage across carriers. Call (215) 999-3168 and you will get straight answers about what you qualify for and what it costs. If guaranteed issue is not your best option, Phillip will tell you that too.

Your information is never sold to lead companies. The quote tool and this site exist so one agent can help you directly — that is the whole business model.

Not Ready to Quote Yet?

Start with our guides instead: see how guaranteed issue works, what the waiting period really means, and whether you can skip it entirely.

Get My Free QuoteCall Phillip: (215) 999-3168
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 — ages 18–85 (varies by carrier).
(215) 999-3168
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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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