Guaranteed Issue Life Insurance

GUARANTEED, Graded Premium & Simplified issue Life – Burial Insurance


Guaranteed issues plan generally pay after you’ve had the policy for 3 years.  You do get your premium back though.  See actual brochures and EOC Evidence of Coverage for exact details.  

Final – Burial Expense Whole Life
Final Expense Whole Life

Final Burial Expense –
Graded Premium Almost Guaranteed Issue Life Policies
Graded Premium Almost Guaranteed Issue Life Policies

Simplified Sample Questions

Fidelity Life - Simplified Questions

North Coast Life

Five Medical Questions:

If the answer to any of the following questions is “YES”, the proposed insured is not eligible for the insurance applied for.

Is the proposed insured currently: Bedridden at home or confined in a hospital, nursing home, or long term care facility?

Has a member of the medical profession ever diagnosed or treated the Proposed Insured for Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC)?

Within the past year has the Proposed Insured:

(a) had a stroke, angina, heart attack or failure, cardiac or circulatory surgery, or Diabetes (requiring shots)?

(b) had or been treated for internal cancer or melanoma, leukemia, kidney failure, Alzheimer’s disease, alcoholism, drug dependence, or liver cirrhosis?

(c) used oxygen equipment to assist in breathing or had any amputation caused by disease? (nc

Costs of the last 2 months of life

click on graph to enlarge

cost of last two months of life

Increasing Cost of Dying

Click on image to enlarge

graph increasing cost of dying

Life Insurance without the Covered Person knowing

confidential life coverage - someone owes you money

Be sure to put in our Producer # 30410


  • #Confidential Life Insurance – Can I Insure someone without them knowing about it? 
    • Yes, you can now insure against financial loss as a result of the death of another person, with whom there is an INSURABLE interest, like alimony or child support without the insured person’s knowledge.
    • Additional  examples would be Bank Loans, Divorce Settlements, Investors, Business Managers/Agents, Movie Productions, Business Buy Outs/Buy Ins, Surrogate Mother Contracts
  • Before asking us for quotes…. let us know if you are at least willing to pay the standard premium for the persons age and amount that you want.   Get Standard Quotes

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