Coverage for Everyone.
No Questions Asked.
Guaranteed Issue life insurance provides permanent coverage with no medical exam, no health questions, and no possibility of denial — ensuring even those with serious health conditions can protect their families.
Been Turned Down Before? You're Not Alone.
Millions of Americans are declined for traditional life insurance every year due to age or pre-existing health conditions. At VIP Insures, we believe everyone deserves the right to protect their family. Guaranteed Issue coverage exists precisely for this reason — and we're here to help.
Protection With
No Barriers to Entry
Guaranteed Issue (GI) life insurance is a type of whole life policy issued without any underwriting. There is no medical exam. There are no health questions. Approval is automatic for anyone within the eligible age range — regardless of health history, chronic conditions, or prior insurance denials.
This makes it the coverage of last resort for those who have been declined elsewhere — but also a practical choice for anyone who simply wants fast, certain coverage without the complexity of the application process.
Coverage amounts typically range from $2,000 to $25,000 — designed to cover funeral costs, burial expenses, and outstanding debts so your family never inherits a financial burden alongside their grief.
You qualify if you:
Designed for People
Other Policies Turn Away
Guaranteed Issue fills the gap for those whose health history, age, or prior denials have made traditional coverage inaccessible.
Chronic Health Conditions
Diabetes, COPD, heart disease, cancer history, kidney disease — conditions that disqualify applicants elsewhere are irrelevant here. You're covered, period.
Previously Declined Applicants
If you've been turned down for life insurance before — for any reason — Guaranteed Issue provides a guaranteed path to coverage with no reconsideration needed.
Seniors Ages 75–85
Many traditional policies stop accepting applicants after 70 or 75. Guaranteed Issue remains available up to age 85 — when protection matters most.
Business Owners Lacking Coverage
Self-employed individuals who never secured employer-sponsored life insurance and now face health hurdles can secure immediate, permanent protection here.
Those Without Existing Coverage
If you've put off getting life insurance and now worry it may be too late — it isn't. Guaranteed Issue ensures that starting now is always an option.
Anyone Who Wants Certainty
Even if you're in good health, some people simply want the certainty of guaranteed approval without the uncertainty of underwriting. That's a valid reason to choose GI.
Get Covered in Three Easy Steps
No health screening. No waiting. No complexity. Getting Guaranteed Issue coverage through VIP Insures is straightforward by design.
Request a Quote
Share your age and desired coverage amount. No health information required. A licensed VIP Insures specialist will provide your personalized premium in minutes.
Review & Choose Your Plan
Select the coverage amount that fits your family's needs and your monthly budget. Your specialist explains the graded benefit period and all policy details transparently.
Coverage Confirmed
Your policy is issued — guaranteed. No exam. No follow-up questions. Your beneficiaries are protected and your premiums are fixed for the life of the policy.
Graded Benefit vs. Level Benefit
Guaranteed Issue policies come in two structures. We'll help you understand which is right for your situation — with complete transparency, always.
Graded Benefit Policy
The most widely available Guaranteed Issue structure. Coverage is active immediately, but during the first 2–3 years the death benefit is limited to a return of premiums paid plus interest. After the graded period, the full benefit is in force.
- Immediate coverage — policy active from day one
- Premiums refunded + interest if death occurs in years 1–2
- Full benefit active after graded period (typically 2–3 years)
- Available to all eligible ages regardless of health
Level Benefit Policy
Some carriers offer Guaranteed Issue policies with a full death benefit payable from day one — no graded period. These are rarer and typically carry higher premiums, but provide immediate complete protection.
- Full death benefit from day one — no waiting period
- Generally higher premiums for the same coverage amount
- Not universally available — depends on carrier and state
- Our specialists will advise if this option is available to you
Families Who Found Coverage
When Others Said No
These are the clients Guaranteed Issue was made for — people who refused to give up on protecting their families.
"I was declined three times because of my heart condition. I'd given up. Then VIP Insures told me about Guaranteed Issue. No questions, no exam — I was approved the same day. My kids won't have to worry about my funeral costs now."
"My diabetes made me uninsurable everywhere I looked. VIP Insures never made me feel like a liability — they treated me with dignity and got me covered within a week. The premiums are manageable and the peace of mind is priceless."
"At 79 I thought my window had closed. VIP Insures proved me wrong — Guaranteed Issue was straightforward, affordable enough for my fixed income, and now my grandchildren won't be burdened when the time comes. I only wish I'd called sooner."
Guaranteed Issue — Answered Plainly
Everything you need to know before you apply, without insurance jargon.
Your growth Journey
Starts Here.
At VIP Insures, we offer tailored life insurance solutions to protect your family, business, and future with confidence.
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