For some, "guaranteed issue" and "guaranteed acceptance" individual life insurance may be the only way to acquire coverage.

Guaranteed issue individual life insurance will insure anyone who comes along, with no medical examination and few or no medical questions.

Have you been refused life insurance? Have you been turned down due to medical history or a hazardous occupation?

We offer guarantee issue life products with:

NO medical questions,
NO medical examination,
NO medical tests,
NO blood tests &
NO urine samples

You Can't Be Turned Down!

We offer guarantee issue life insurance with a graded benefit. This means the full death benefit amount will be paid to the beneficiary after a specified period of time. Death benefits are limited during the first two or three years of the policy, but are 100% guaranteed after that.

The plus is there are NO medical questions, NO medical examinations and NO medical tests.

This is truly guaranteed issue life insurance. Usually these policies are limited to a Face Amount of $10,000 - $50,000.

Coverage Can't Be Cancelled: As long as you pay your premiums, only you can cancel your coverage.

Simplified Issue Life Insurance

We offer simplified issue life products with:

NO EKG,
NO medical examinations ,
NO medical tests
NO blood tests,
NO Urine Samples,
NO attending physician statements

We also offer simplified issue life insurance. To qualify for this product you only need to answer a few medical questions to qualify. Usually these questions are related to recent hospitalizations or a history of heart disease or cancer. These policies are available with Face Amounts up to $500,000.