Guaranteed Issue Permanent Life (Graded Benefit)

Guaranteed issue permanent life insurance offers coverage without the need for a medical exam or health questionnaire. This type of policy is typically available to individuals who may have difficulty obtaining traditional life insurance due to pre-existing health conditions or other factors. With guaranteed issue permanent life insurance, applicants are guaranteed acceptance regardless of their health status, age, or other risk factors. While premiums may be higher compared to traditional life insurance policies, this coverage provides peace of mind knowing that loved ones will receive a death benefit upon the policyholder’s passing. It’s a valuable option for those who may otherwise struggle to secure life insurance coverage and want to ensure their family’s financial security.