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Guaranteed Issue Life Insurance Companies


iQuote represents many term life insurance companies.  We can shop and compare life insurance companies to find you the best plan for your needs.

Guaranteed issue life insurance companies play an important role in providing life insurance options for people over 60, over 65 and over 70.  Most guaranteed issue life insurance companies will write a policy up until the age of 80.  Of course, the older you are the more the insurance will cost.

Guaranteed issue life insurance companies generally have policies that provide benefits that include:

  • Insurance coverage up to $15,000 - $20,000
  • No medical exam
  • No health questions
  • Permanent insurance that you will keep for the rest of your life
  • Rates that remain the same (level) throughout your life

One of the most important things to understand with this type of life insurance is that most policies limit death benefits during the first two years after the policy is written.  So a guaranteed issue life insurance company will not pay a death benefit if you die during that period; however, if you die during the first 2 years, all premiums paid will be returned to your beneficiary.

Guaranteed issue life insurance companies write policies in most states, but you’ll want to check and make sure the plan you like is available in your state.  An iQuote life insurance advisor can help you find and compare guaranteed issue life insurance policies with plans that match your needs.

Request a guaranteed life insurance quote from iQuote today or call 800-352-9742 for guaranteed issue life insurance companies.


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