No Medical Questions Life Insurance
If you’re searching for life insurance with no medical questions, you’ve found it: Guaranteed Issue Whole Life Insurance (GIWL).
This type of coverage is designed for seniors and high-risk individuals, typically ages 50–80, who may have serious health conditions. The insured must be able to legally consent to coverage—Power of Attorney is not accepted.
Key Features of Guaranteed Issue Whole Life Insurance:
- No medical exam required
- No health questions – even individuals with terminal illness, Alzheimer’s, HIV/AIDS, or other serious conditions can qualify.
- Reduced death benefit for the first 2–3 policy years – accidental deaths pay out the full face value.
- Whole life insurance with guaranteed cash value accrual
- Must not currently be confined to a nursing home or skilled care facility
⚠️ Important: If you have serious health issues, don’t wait. Every month counts. Starting your policy immediately begins your graded period and ensures your loved ones can receive the full death benefit when it matters most.
Many people who think they are automatically uninsurable may still qualify for graded life insurance (opens in a new tab), which offers coverage with limited benefits during an initial period. A licensed independent agent can help determine if this is a better fit before considering guaranteed issue.
Getting a Quote
You can get a no medical questions life insurance quote using our instant quoting tool on this page.
- Select “Poor” under the Health Classification dropdown to see guaranteed issue options from top carriers.
- For high-risk cases, it’s best to get a risk assessment from a licensed independent agent first—this can save you money by exploring options beyond guaranteed issue.
📞 Call us today at 269-230-3464 for the fastest service and personalized guidance.
Guaranteed issue coverage carries higher premiums because the insurance company is taking a higher risk. The sooner you start, the sooner your loved ones are fully protected—and the sooner you start the countdown to full benefits.
Example: Someone who paid $2,000 in premiums during the first year may only get $2,200 if they pass away early, whereas starting coverage promptly and reaching the 25th month could result in a $20,000 payout. That’s a dramatic difference for your family.
Should I Buy Guaranteed Issue Life Insurance?
Guaranteed issue policies should generally be a last resort. They’re meant for individuals with very serious medical conditions or high-risk classifications.
- Premiums are higher than medically underwritten coverage.
- There’s a 2–3 year limited benefit period, after which full coverage is available.
Many people who think they are uninsurable—due to diabetes, prior heart attack, stroke, or COPD—can still qualify for simplified issue or medically underwritten life insurance. Never prejudge yourself. Speak to a licensed independent life insurance agent who specializes in high-risk cases to determine what options are available to you.
If Guaranteed Issue is Needed:
- Act immediately. Getting coverage in place starts your graded period so that your loved ones are fully protected as soon as possible.
- Delaying even a few months can result in your beneficiaries receiving only the return of premiums plus interest rather than the full death benefit.
Key Questions to Consider Before Buying
If you answer “NO” to all of the following, you may qualify for graded death benefit policies—often more affordable than guaranteed issue:
- Diagnosed or treated for:
- HIV/AIDS or AIDS-related complex
- Alzheimer’s, Dementia, ALS, or Down’s Syndrome
- Dependence on another person for daily care or oxygen
- In the past 2 years:
- Heart attack or stroke
- Organ or bone marrow transplant
- Cancer treatment or dialysis
- Confined to or advised for nursing home/hospice
- Drug or alcohol treatment for misuse
- Life expectancy under 24 months
- Multiple DUIs, felony convictions, or probation
✅ Tip: Answering “NO” to these allows you to explore graded benefit policies—potentially saving thousands in premiums.
FAQ – Frequently Asked Questions
What is guaranteed issue life insurance?
Guaranteed Issue Whole Life Insurance is coverage that requires no medical exam or health questions. It is designed for individuals who may be uninsurable due to serious health conditions. Full benefits are delayed 2–3 years, except for accidental deaths.
Who is guaranteed issue life insurance best for?
It’s primarily for seniors or individuals with serious health concerns who cannot qualify for other life insurance policies. If you have conditions like Alzheimer’s, cancer, kidney failure, or COPD, guaranteed issue can protect your loved ones.
How long is the waiting (graded) period?
The first 2–3 years of coverage are considered a graded period. If the insured passes away due to natural causes, beneficiaries receive a return of premiums plus interest. After the graded period, full benefits are payable regardless of cause of death.
Can I qualify for something better than guaranteed issue?
Yes. Many individuals with health concerns can still qualify for graded life insurance or other simplified issue policies. Working with a licensed independent agent ensures you explore all options before paying higher premiums.
Does guaranteed issue cover accidental death?
Yes. The full death benefit is payable for accidental deaths even during the graded period. The limited benefits only apply to natural deaths caused by illness or preexisting conditions.
Why is it important to act immediately?
Delaying coverage even a few months can dramatically affect your family’s benefit. Starting now begins the graded period countdown, ensuring your loved ones receive the full death benefit as soon as possible. Waiting too long may result in only premiums plus interest being paid if the insured passes away early.
Conclusion: Protect Your Loved Ones
Guaranteed issue life insurance isn’t cheap, and it carries limitations. Many families are sold high-cost policies without fully understanding the graded period or alternative options.
- Full benefits are delayed 2–3 years.
- Premiums are elevated due to lack of health information.
- Some individuals can qualify for better policies, but guaranteed issue can be a lifesaver when health conditions truly prevent other options.
The key takeaway: Start promptly and consult a licensed independent agent. Every month you delay could cost your loved ones tens of thousands of dollars in potential coverage.
📞 Call us today at 269-230-3464 or use our instant quoting tool to secure coverage and protect your family immediately. Our team specializes in high-risk cases, helping you get the best solution affordably—with no medical questions required.
Michael is a veteran independent life and health insurance agent who specializes in guiding people with even high risk health conditions thru the insurance process. He is passionate about helping individuals and families get their unique financial protection needs met, providing his experienced based advise and delivering affordable, dependable coverage you can count on.