Guaranteed Issue Life Insurance offers permanent life insurance protection with no medical exam and no health questions — guaranteed approval regardless of your health history. Ideal for ages 50–85 who need final expense coverage or have been declined elsewhere.
Guaranteed Issue (GI) life insurance is a type of whole life insurance that cannot be denied based on your health. You simply apply, pay the premium, and your coverage begins — no doctors, no labs, no questionnaires.
It’s designed to cover final expenses — funeral costs, outstanding medical bills, credit card debt, and other end-of-life expenses — so your loved ones aren’t left with financial burdens during an already difficult time.
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Fill out a brief application — your name, date of birth, address, and beneficiary. No health questions, no medical history required.
Because there's no underwriting, approval is immediate. Your policy is issued the same day your first premium is received.
Your coverage remains in force for life as long as premiums are paid. Premiums never increase, and your benefit never decreases.
Upon passing, your beneficiaries receive a lump-sum, income-tax-free death benefit — typically within 30 days of claim submission.
Guaranteed Issue Life Insurance is the ideal solution when other options have become unavailable or inaccessible due to age or health.
Every applicant within the eligible age range (45–85) is accepted — regardless of health status, medical history, or prior insurance denials.
No blood draws, no urine samples, no physician visits. The application is purely administrative — fast and stress-free.
Your premium is locked in at the rate you qualify for on day one. It never rises with age, inflation, or changes in your health.
Like all whole life policies, GI policies accumulate cash value you can borrow against — a built-in financial safety net over time.
Most GI policies have a 2-year graded period. If death occurs in years 1–2, beneficiaries receive premiums paid plus interest (typically 10%). Full benefit pays after year 2.
Coverage typically ranges from $2,000 to $25,000 — sized to cover final expenses without over-insuring. Some carriers offer up to $50,000.
$11,000+
The median cost of a funeral with burial in the United States — a figure many families are completely unprepared to cover out-of-pocket.
73%
Nearly three quarters of Americans have made no financial provisions for end-of-life costs — leaving families in crisis at the worst possible moment.
$15–$50
Many seniors secure $10,000–$20,000 in Guaranteed Issue coverage for less than the cost of a daily cup of coffee.
| Feature | Guaranteed Issue | Traditional Whole Life | Term Life |
|---|---|---|---|
| Medical Exam Required | ✗ None | Often Required | Sometimes Required |
| Health Questions | ✗ None | Extensive | Moderate |
| Approval Guaranteed | ✓ Yes | No — health dependent | No — health dependent |
| Coverage Duration | Lifetime | Lifetime | 10–30 Years |
| Cash Value | ✓ Yes | Yes | No |
| Coverage Amount | $2K–$25K | $25K–$1M+ | $100K–$2M+ |
“I was turned down by three carriers due to my diabetes. FiduZon found me a Guaranteed Issue policy in one phone call. My family is protected now, and I didn’t have to answer a single health question.”
Retired Teacher, 72 — Buffalo, NY
Business Owner, 68 — Rochester, NY
“I set up a Guaranteed Issue policy for my mother after her cancer diagnosis. FiduZon handled everything quickly and professionally. We’re so grateful that coverage was available to her.”
Daughter & Caregiver — Syracuse, NY
Get Guaranteed Coverage Today
No medical exam. No health questions. Speak with a licensed FiduZon advisor and get covered — often the same day.