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Final expense provides quality coverage for you and your loved ones. Guaranteed issue life insurance is a type of final expense that is easy to qualify for and great for those who need quality insurance.
To fully understand guaranteed issue, you need to understand final expense insurance as a whole. Final expense is a type of permanent life insurance. This means that your coverage will continue until you pass away as long as you keep up with your payments.
As a permanent life insurance policy, final expense provides a payout, or death benefit. This will be anywhere from $2,000 to $50,000 depending on a number of factors, including age, health, insurance provider, type of plan (i.e., guaranteed or simplified issue), and the amount of coverage you feel comfortable purchasing.
This death benefit is smaller than other life insurance policies, but for good reason—you may be able to purchase one of these policies much later in life than all other life insurance policies. With final expense, you can be up to 85.
Guaranteed issue is the easiest life insurance policy you can qualify for. This is because your health is not taken into account. When you enroll in a policy, they will not ask about any medical conditions, and will only take your age into consideration for cost, rarely eligibility. So, in a way, you are “guaranteed” to qualify, even with terminal or preexisting conditions.
Compare this to a simplified issue policy. Simplified issue, relative to other life insurance policies, is still much easier to qualify for. But, unlike guaranteed issue, you must answer a medical questionnaire.
As long as you have no serious health conditions and are within the plan’s age range, you should qualify.
If you have a serious health condition or are much older, guaranteed issue is for you. It is the perfect plan for those who need coverage but don’t qualify for traditional life insurance policies.
Keep in mind that there will be some natural limitations to a guaranteed issue policy due to its easy eligibility. If the plan knows nothing about your health, they’re assuming that you have considerable concerns. For that reason, you will pay a bit more than a simplified issue policy. The amount of coverage you can purchase may also be limited up to $25,000.
We will find the final expense policy that works for you and your loved ones. For more information, call Expense Mutual at 888-280-2825 or email info@expensemutual.com.
Expense Mutual is a licensed Independent Insurance Agency licensed to sell insurance in Georgia. Expense Mutual does not underwrite any insurance that appears on our website. Please note that Insurance cannot be bound, canceled or installed on the website. While Expense Mutual has done everything to ensure that all rates are accurate in the event, we made an error regarding pricing, the carrier’s rates will always supersede whatever rate appears on our website. All plans with no waiting period require an applicant to be medically approved by the insuring company and are subject to the incontestability period. All guaranteed acceptance plans that have no health questions will be subject to the insurer’s defined waiting period before benefits become payable under the policy provisions. Whole Life Final Expense Insurance available through JN Solutions LLC dba Expense Mutual may be underwritten by any of the following insurance companies, Americo, Foresters, Gerber Life, Met Life or Mutual of Omaha. Under no circumstances will Expense Mutual share or sell your information with a third party without your consent. No part of this website may be copied, published, faxed, mailed or distributed in any manner without the prior written consent from the website owner. Representation Any views or opinions represented on the Website are personal and belong solely to the Operator and do not represent those of people, institutions or organizations that the Operator may or may not be associated with in professional or personal capacity unless explicitly stated. Any views or opinions are not intended to malign any religion, ethnic group, club, organization, company, or individual. Changes and amendments. We reserve the right to modify this Disclaimer or its terms relating to the Website and Services at any time, effective upon posting of an updated version of this Disclaimer on the Website. When we do, we will revise the updated date at the bottom of this page. Continued use of the Website and Services after any such changes shall constitute your consent to such changes. Acceptance of this disclaimer. You acknowledge that you have read this Disclaimer and agree to all its terms and conditions. By accessing and using the Website and Services you agree to be bound by this Disclaimer. If you do not agree to abide by the terms of this Disclaimer, you are not authorized to access or use the Website and Services. Contacting usIf you would like to contact us to understand more about this Disclaimer or wish to contact us concerning any matter relating to it, you may send an email to info@expensemutual.com.