Guaranteed Issue
Guaranteed issue life insurance — acceptance without health questions
If you've had trouble getting approved elsewhere, guaranteed issue accepts you regardless of health history.
Guaranteed issue life insurance is a type of whole life policy that accepts you without any medical exam or health questions. It's designed for people who may not qualify for other coverage due to age or health history.
Is guaranteed issue right for you?
- Older applicants, often ages 50–85
- People with serious health conditions
- Anyone who has been turned down elsewhere
- Those who want simple, guaranteed acceptance
What you get
No health questions
Acceptance is guaranteed regardless of medical history.
No medical exam
No needles, no nurse, no records review.
Permanent coverage
Whole life protection with fixed premiums and cash value.
How Surelii helps
Our agents know which carriers offer guaranteed issue in your state and match you to the right one. We keep it honest about benefit amounts and waiting periods so there are no surprises.
Common questions
Your family is worth a few minutes today
Answer a few simple questions. No exam, no needles. A licensed agent will reach out personally within 24 hours to walk you through your options.