We help families secure protection even when traditional life insurance isn’t an option. Guaranteed Issue Burial Insurance provides coverage with no medical exams, no health questions, and no underwriting. If you’ve been declined elsewhere or have serious health conditions, this policy can still ensure your loved ones are protected from final expenses.

Why Choose Guaranteed Issue Coverage?

• No medical underwriting: Approval is automatic for applicants in the eligible age range.
• Final expense focus: Typical face amounts from $5,000 to $25,000 to cover funeral costs, medical bills, or debts.
• Simple & fast: A streamlined application you can complete online.
• Peace of mind: A straightforward way to make sure loved ones aren’t left with a financial burden.

How Benefits Typically Work

Most guaranteed issue policies include a graded benefit period (often the first two years). During this time, accidental death is generally covered for the full face amount, while natural death typically returns paid premiums plus interest. After the graded period, the full benefit is paid for covered causes of death. Always review the certificate for state-specific details and definitions.

Who This Is Best For

• Applicants who have been declined for traditional life insurance.
• Individuals with chronic conditions or complex health histories.
• People who want a no-hassle way to put final expense protection in place quickly.

Common Coverage Amounts & Uses

• $5,000 – $10,000: Basic funeral and burial costs.
• $15,000 – $20,000: Service expenses plus medical bills or small debts.
• $25,000: A more comprehensive cushion for family needs.

Note: Premiums for guaranteed issue policies are typically higher than fully underwritten plans because the insurer accepts applicants without health screening. If you think you might qualify medically, we can also compare simplified-issue and fully underwritten options.