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Guaranteed Issue Life Insurance
Guaranteed issue life insurance is a policy that does not require any health questions or a medical exam. It is guaranteed to be issued if you apply for it, regardless of past or present health concerns. This type of life insurance is usually used to cover funeral expenses and medical bills. If you are concerned that you may not qualify for life insurance but do not want to leave your loved ones with expenses, then this may be a good option for you.
Guaranteed life insurance is commonly purchased by people over the age of 50 or individuals with current or previous medical problems. Typically it is for individuals who do not qualify for other types of life insurance policies because of health issues and do not have life insurance available through their employment.