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What Is Guaranteed Life Insurance?
Guaranteed Life Insurance is a type of permanent life insurance issued without medical exams or health questions. Even if you have specific health conditions or a history of illness, your approval is guaranteed. Coverage typically ranges from $5,000 to $25,000 and lasts for your entire lifetime.
Why Is Guaranteed Life Insurance Important?
Covers Final Expenses: Funeral and end-of-life costs can add up to several thousand dollars. Guaranteed Life Insurance helps prevent this financial burden from falling on your family.
Ideal for Those With Health Issues: If medical conditions make it difficult to qualify for standard life insurance, this plan provides a reliable way to secure coverage.
Lifetime Protection: Unlike term life insurance, this policy remains in effect for your entire lifetime, offering lasting peace of mind.
Fixed Premiums: Your monthly payments never increase — they stay the same throughout your policy.
Key Features of Guaranteed Life Insurance
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No Medical Exams or Health Questions: Get coverage without any medical tests or health questionnaires.
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Quick and Easy Application: Apply in minutes — even online.
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Immediate Coverage: Your protection begins as soon as your policy is issued.
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Fixed Premiums for Life: Your payments stay the same with no annual increases.
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Flexible Cancellation: You can cancel your policy anytime. If canceled within the first 30 days, you’ll receive a full refund of your premium.
Important Note
In most Guaranteed Life Insurance plans, if the insured person passes away from non-accidental causes within the first two years, the death benefit is not paid. Instead, the premiums paid — minus administrative fees — are refunded to the beneficiaries.