Guaranteed Issue Burial Insurance
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.
Get Coverage Regardless of Health
Guaranteed acceptance within the eligible age range. No exams. No health questions.
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.
Secure Guaranteed Coverage Today
Apply online in minutes or talk with an advisor before you begin.
FAQs: Guaranteed Issue Burial Insurance
What is guaranteed issue burial insurance?
A permanent whole life policy designed to cover final expenses (funeral, medical, debts). Acceptance is typically guaranteed—no medical exam and usually no health questions.
Who is eligible?
Most carriers accept ages 50–80 (some 45–85, or 50–75 in certain states). Eligibility and age bands vary by carrier and state.
How much coverage can I buy?
Common face amounts range from $5,000–$25,000 (some carriers higher/lower). We’ll compare multiple carriers to match your budget and goal.
Are premiums level for life?
Yes—premiums are typically fixed and guaranteed not to increase as long as payments are made on time.
Is there a waiting period?
Yes. Guaranteed issue policies commonly have a graded death benefit (e.g., first 2 years): non-accidental death pays back premiums plus interest; after the period, the full benefit is payable. Accidental death is usually covered for the full amount day one. Terms vary by carrier/state.
Does it build cash value?
Yes. Whole life policies accumulate cash value that can be accessed via policy loans or surrender. Loans/withdrawals reduce cash value and death benefit.
How much does guaranteed issue burial insurance cost?
Rates depend on age, gender, tobacco use, face amount, and state. Because underwriting is minimal, guaranteed issue costs more than simplified-issue alternatives for the same coverage.
What can the death benefit be used for?
Beneficiaries can use funds for funeral/burial, medical bills, unpaid debts, travel for family, or any purpose—payouts are generally tax-free to beneficiaries.
Are there alternatives if I can answer a few health questions?
Simplified-issue final expense policies ask brief health questions (no exam) and often have no waiting period and lower premiums if you qualify. We’ll price both to see what’s best for you.
Can I be declined for guaranteed issue?
Rarely. Most applicants are accepted unless they fall outside age/state limits or other administrative restrictions. Payment method and residency must meet carrier rules.
How do I apply and how fast can coverage start?
Apply by phone or online in minutes. Many policies approve instantly with same-day issue and coverage effective on first payment (subject to waiting period rules).
Disclosures: Product features, graded periods, amounts, ages, and availability vary by carrier and state. This is general information—not tax or legal advice.
