Guaranteed Issue Life Insurance and Graded Death Benefit Quotes

Guaranteed Issue Life Insurance

A guaranteed issue life insurance policy is issued regardless of the insured's health history. These plans offer a graded death benefit for the first two or three years of the policy.

These graded death benefit life insurance policies offer individuals with serious health issues that make them uninsurable and unable to obtain life insurance at standard rates, an opportunity to obtain permanent non-participating whole life coverage on a guaranteed issue basis.

Recently, some insurance companies have begun to offer guaranteed issue policies as term insurance plans also. These plans lock in the rates for a specific term of 10 or 20 years and usually cost less than permanent whole life policies.

Death benefits under these policies are limited in the event of death from other than accidental causes during the first two or three policy years, depending on age at issue, and the company selected.

Are these Guaranteed Life Insurance Plans Costly?

The first step should be to find out if you can qualify for a graded death benefit plans that asks only a few, usually less than 10 questions.

If you are not currently hospitalized or had a heart attack in the last 1 or 2 years, completed cancer treatment over a year or two ago (and a few other conditions) you will be eligible for plans at half the cost of someone being currently treated in the hospital or suffering from cancer or some other illness that gives you a life expectancy of less than two years.

Many people are surprised when they talk with us that despite some real serious issues (diabetes, COPD, and obesity for example) we are able to get them qualified for a plan that has NO waiting period.

As independent brokers we work for our customers, not the insurance companies. So our job is to get you the least expensive plan that provides you with the most benefits.

Buying Guaranteed Life Insurance should be done from an established company with a solid reputation and the skills and services of an agency such as ours will be of significant value.

Put us to the test and give us a chance to earn your business.

Graded Death Benefit Quotes

Please complete this form to get the best quotes for Graded Death Benefit Guaranteed life coverage.

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Quotes provided by VAM dB