Guaranteed Life Insurance

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  • You won’t have to answer taxing medical questions!
  • You won’t have to endure any medical examinations!
  • You won’t have to take any medical tests!


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A definition of guaranteed life insurance:

We won’t deny you guaranteed life insurance. If you are living at home (not in a hospital or receiving long-term care), then you will receive comprehensive life insurance, guaranteed, even if you currently suffer from or have suffered from a pre-existing condition.

You will not need to endure a medical examination to receive guaranteed issue life insurance. You won’t have to give any samples, receive injections or contact a doctor in person.

Guaranteed life insurance requires no underwriting. This means that whereas a standard life insurance application can take a number of weeks to process, you will be insured in minutes!

You have the choice of applying for either term or permanent life insurance. One of our agents will be happy to explain the benefits of each plan to you.

We will not turn you down

Guaranteed issue health insurance is designed for those who have trouble getting insurance for various reasons, particularly those with health issues. Only people who reside in care homes or hospitals will be denied this insurance.

Unlike most insurance policies, there is no requirement to be examined by a medical professional, submit any samples, answer health related questions or take tests.


This type of insurance is particularly beneficial for those who have been diagnosed with a pre-existing condition. Pre-existing conditions are mental or physical health problems that existed prior to enrolling for an insurance plan which can make it hard for a person to get life insurance cover.

This can affect cancer patients, diabetes sufferers, those who have HIV, Alzheimer’s patients, etcetera - even if an individual’s condition has been given the all clear by a medical professional, pre-existing conditions can still affect their claim. Guaranteed- life insurance is not affected by pre-existing conditions.

Guaranteed policies cost more

Generally speaking, in insurance, the riskier a potential policyholder is the more the provider will charge. Due to the fact that there is no medical and no underwriting for this guaranteed life insurance, the insurance provider knows nothing with regards to the client’s health. The only information they have is of the applicant’s age and gender and therefore they must charge accordingly to accommodate this risk.


Our agents will be more than happy to listen to your personal situation with regards to your policy and advise you as to which one(s) to consider. It is in their best interest as well as yours and all advice is free.

What do I do next?

You can call us toll-free or complete our simple online form at the top of this page. You will then receive a number of life insurance products via email that you can discuss with one of our helpful licensed insurance professionals at your leisure.

Our guaranteed life insurance quote engine is unique to us. Should you not be familiar with any of the products offered to you, our agents will be happy to discuss your options with you and explain our products in detail.

If you find a guaranteed life insurance product that you are happy with, click to select it, start filling out your online application and we’ll deal with the rest of the process on your behalf.

Don’t be dismayed to find that there are fewer policies available to you for guaranteed issue life insurance. The simple fact is that it isn’t as popular as term or permanent life insurance, so companies provide fewer products accordingly. Be assured that has enough quality products to suit every situation and budget.

Still have doubts? Call one of our friendly agents today on the number at the top of this page to make sure you get the most for your money.


Actual Customer Reviews of Guaranteed Life Insurance
- Very courteous, very professional. I would recommend your name to all my friends and family.
Susan Mast, 47 - Jackson, MS - 7/1/2011 8:42:34 AM
- Excellent service and an outstanding experience! It made my transition from switching from my old insurance company to yours a smooth and easy one.
Jason Speers, 64 - Sacramento, CA - 5/23/2011 7:57:14 AM
- From the moment I called you guys I knew I'd made the right decision. I am now insured and I so cannot believe it.
Donna Gonzalez, 52 - Des Moines, IA - 4/28/2011 10:32:00 AM
- You were brilliant, really helpful, patient and friendly. Very good service, thank you.
Ronald Clark, 46 - Stamford, CT - 4/1/2011 11:16:07 PM
- You guys were absolutely great in helping me secure a Term Life Insurance policy, exploring different term lengths and amounts until it fit with what I was looking for.
Jennifer Campbell, 52 - Omaha, NE - 1/17/2011 10:45:46 AM
- Purchasing life insurance was never so easy until I found you guys. Well done!
Jeff Anderson, 48 - Philadelphia, PA - 7/20/2010 8:24:56 PM
- Very helpful, it will be my pleasure to contact you again regarding any business pertaining to life insurance.
Richard Scott, 59 - Dallas, TX - 6/17/2010 11:01:19 AM
- Dealing with your company was quick, easy, and affordable. You made my life much easier now.
Charles Parker, 61 - Roseville, CA - 3/20/2010 2:34:07 PM
- You were so helpful and informative. You certainly are the toppers in life insurance industry.
Adele Morgan, 62 - Lakewood, CO - 2/7/2010 8:50:08 AM
- Just wanted to let you know that I am really happy with the excellent service and care that I have received from your side.
Kenneth Evans, 57 - Bridgeport, CT - 6/14/2011 11:22:58 PM
- No complaints, very good service!
Laura Baker, 48 - Tampa, FL - 8/22/2011 5:16:30 AM
- Thank you for the prompt service. You guys gave me an excellent life insurance plan which simply fulfilled all my expectations.
Ronn Miller, 65 - Newark, NJ - 5/14/2011 11:11:20 AM
- Your service, follow up, and kindness throughout the procedure was remarkable..
Jack Young, 46 - Madison, WI - 3/1/2011 4:23:47 PM
- You certainly made finding life insurance easy. The kind and courteous staff made this an enjoyable experience.
Karen Lewis, 35 - Toledo, OH - 2/9/2011 1:49:06 PM
- Far above the service I expected. You guys did a great job and I am satisfied with life insurance plan you provided me.
Margaret Harris, 75 - Pittsburgh, PA - 2/6/2011 11:59:43 AM
- Amazing insurance rates. I will definitely recommend you to my friends and family.
Thomas Collins, 49 - Raleigh, NC - 1/27/2011 3:45:12 PM
- The best and easiest way ever to purchase life insurance. Well done!
Robert Jones, 77 - Boston, MA - 1/9/2011 7:59:16 AM
- Excellent rates and quick follow-ups. I am thoroughly impressed.
Nancy Moore, 66 - Chicago, IL - 2/28/2011 10:07:30 AM
- Your service has been outstanding and you helped me get an exceptional rate on my life insurance.
Robert Jones, 62 - Coston, MA - 1/23/2011 12:05:30 AM
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