Guaranteed Issue Life Insurance

Rest Assured with No Medical Exam Life Insurance

We can insure anyone. No matter your personal or health circumstances, there is a life insurance policy that fits your life. Let us find it for you.

get covered

Get Automatic Coverage with Guaranteed Issue Whole Life Insurance

*Comes with a side of peace of mind, guaranteed.

If you’re one of the millions of Americans who doesn’t qualify for most life insurance policies due to poor health or a preexisting condition, we want you to know you’re not alone and all is not lost. At Principled Life, we help people like you every day find the most life insurance coverage, at the best price, with no medical exam or health history required. How? We’re just that good. (Kidding! Well, kind of.)

The real answer: guaranteed issue life insurance.

Guaranteed issue whole life insurance might be the best option for you if:

You don’t want to undergo a medical exam or answer any medical questions
You want a permanent life insurance policy with a death benefit and cash value
You want guaranteed approval
You’re able to go through a 2 to 3-year waiting period for full coverage

What is guaranteed issue life insurance?

No Medical Whole Life Insurance with Cash Value

Guaranteed issue life insurance is a type of permanent whole life insurance, meaning guaranteed issue policies are simple and straightforward: every plan has a fixed death benefit and premiums, as well as a savings vehicle. Designed for people who cannot qualify for other whole life policies, guaranteed issue life insurance comes with its own pros and cons.

Benefits of Guaranteed Issue Life Insurance

No Medical Exams or Health Questions

No doctors, tests, or health requirements – ever.

Automatic Approval Today

Get automatic, same-day approval over the phone in 30 minutes.

Guaranteed Death Benefit

Your death benefit stays the same despite any change in health status.

Seriously, this won’t hurt… Let’s get you covered.

Give us 30 minutes and we’ll find you insurance that fits your life. It’s that simple.

Get Started

Find comfort and security in guaranteed protection.

Every day, the life insurance advisors at Principled Life help people find the insurance they need to protect their families.

Edward, age 70

Happily Married • Declining Health

Edward and his wife Rebecca have three adult children, all of whom are married with children. Edward’s medical bills are increasing as he declines in health and he wants to leave his family a cushion.

Cost: $99/mo
Coverage: $10k
Term: Permanent

Kristin, age 50

Single Parent • Poor Health

Kristin has health issues that preclude her from other types of life insurance. She wanted minimum coverage without needing to answer any health questions or undergo any medical exams.

Cost: $21/mo
Coverage: $5k
Term: Permanent

Barbara, age 64

Widowed • Pre-existing Conditions

Barbara lost her husband to cancer and has pre-existing conditions that disqualify her from other life insurance plans. She wants to make sure all of her end-of-life costs are covered for her family.

Cost: $151/mo
Coverage: $25k
Term: Permanent

Guaranteed Issue Life Insurance FAQs

How does guaranteed issue life insurance work?

Why is there a waiting period for guaranteed issue whole life insurance and how long is it?

Most guaranteed issue whole life insurance policies come with a 2 to 3-year waiting period before providing full coverage. This is to ensure terminally ill people don’t take advantage of the automatic approval process.

However, if you die during the waiting period, your beneficiaries will be reimbursed all of your paid premiums, plus interest. In some instances, the policy will pay out the full death benefit if you die from an accident within the waiting period.

How much coverage can I get with guaranteed issue life insurance?

Curious about your life insurance options? We can help.

We know this isn’t easy. That is why we do our best to make getting life insurance quotes as simple and convenient as possible. If you want to learn more about your life insurance options, feel free to contact us or visit our Learning Center for more information.