Get Your Guaranteed Issue Life Insurance Contract Today!

No medical exams, no declinations – Provide insurance for your hard-to-insure clients with a simple, guaranteed issue product!

Still have questions? Check out the FAQ’s below or contact us.

As an agent, you know how frustrating it can be to lose clients because of health issues or high-risk factors. With Guaranteed Issue Life Insurance, you never have to turn a client away again. This product offers guaranteed coverage to clients regardless of their medical history, making it an essential tool for every insurance agent.

Key Benefits for Agents

  • Guaranteed Issue: No client turned away, no matter their health or social history.

  • No Medical Exams: No blood tests, no urine samples, and no health questionnaires.

  • Simple Application Process: Clients get approved quickly with minimal paperwork.

  • Renewal Commissions: Continue earning with small but consistent renewals.

  • Cover More Clients: Perfect for high-risk clients with conditions like diabetes, heart disease, or a history of drug use or DUI.

  • Quick Onboarding: Get appointed within 7 business days and start selling fast.

  • Dedicated Support: Access to a team ready to help you close more sales.

How it Works

  1. Submit Your Request: Fill out a simple form to request your contract.

  2. Get Appointed: Approval takes just 7 business days.

  3. Start Selling: Offer coverage to clients who’ve been declined elsewhere.

Still have questions? Check out the FAQ’s below or contact us.

Frequently Asked Question

  • Guaranteed Issue Life Insurance is a policy that provides coverage to clients regardless of their health or social history. There are no medical exams or questions, and clients cannot be declined.

  • This product is perfect for clients who are typically declined due to health issues such as diabetes, heart disease, cancer, HIV/AIDS, or a history of DUIs or drug use.

  • For immediate coverage policies, agents earn 100% of the first-year premium. Policies issued with the first 2 years of limited death benefit (GI) agents earn 60% of first year premium. Commissions are paid as earned.

  • No, the application process is incredibly simple with no medical exams, blood work, or extensive paperwork. It’s a streamlined, guaranteed issue process. Client can elect to answer 5 questions and may qualify for IMMEDIATE COVERAGE.

  • Once you submit your request, you'll be appointed within 7 business days, after which you can start offering this product to clients.

  • Clients with serious health conditions, poor medical histories, or social histories that would otherwise prevent them from getting coverage, including those with cancer, heart disease, diabetes, or a history of substance abuse or DUI.

  • If a client cancels their policy after a few months, you are paid for the months they remained active. For example, if they pay for 6 months, you’ll be compensated for those 6 months. Commissions are paid as earned.

  • This product is available to clients across a wide range of ages, typically from 0 to 85, depending on the carrier's guidelines.

  • You’ll earn a renewal commission on policies that stay active past the first year ensuring a steady income stream.

  • Yes! It’s specifically designed for clients with pre-existing conditions who wouldn’t otherwise qualify for traditional life insurance policies.

  • Simply click the button to request your contract. We’ll take care of the rest, and you’ll be ready to sell in just 7 business days.

  • Yes, younger clients with health issues like juvenile diabetes or a history of substance use often benefit from this product. Available from ages 0 to 85.

  • Clients can choose to pay monthly or annually. If they pay annually, you'll receive the entire first-year commission upfront.

  • Absolutely. This is a great product to have in your portfolio, especially for clients who don’t qualify for your other offerings.

  • This is a unique product because of its guaranteed issue feature. It’s perfect for clients who can't get traditional life insurance due to health or lifestyle factors.

  • Yes! Our dedicated support team is here to assist you at every step, from onboarding to closing sales.

  • Yes, this product is designed for exactly those clients—people who have been turned away by other insurers due to health or lifestyle issues.

  • The biggest advantage is that you never have to turn a client away. Every client can be insured, giving you more opportunities to close sales and build long-term relationships.

  • You’ll only be paid for the duration they remain covered. For example, if a client pays for 9 months and stops, you'll earn commissions for those 9 months.

Still have questions? Check out the FAQ’s below or contact us.

Contact Us

We're here to help! If you need more information or have any concerns about offering Guaranteed Issue Life Insurance to your clients, don’t hesitate to reach out.

Our dedicated support team is ready to answer all your questions and guide you through the process.

Let’s ensure you have everything you need to start providing coverage to every client.