How to Buy up to $75,000 of Guaranteed Issue Life Insurance

Life insurance is a cornerstone of financial security, but for many, the process of getting covered can feel daunting—especially if you’ve been denied coverage due to health issues. That’s where Guaranteed Issue Life Insurance comes in. With coverage up to $75,000, no medical exams, and no health questions, this type of policy is designed to make life insurance accessible to everyone. Here’s how you can buy it.

Step 1: Understand What Guaranteed Issue Life Insurance Is

Guaranteed Issue Life Insurance is a type of permanent life insurance that provides lifetime protection. It’s available to individuals aged 18-70, and approval is guaranteed—no matter your health history. There’s no physical exam, no health questions, and no waiting period. This makes it an excellent option if you’ve been turned down for traditional life insurance or simply want a hassle-free way to protect your family.

Step 2: Choose a Reputable Provider

Companies like Allstate Benefits Insurance Company offer Guaranteed Issue Life Insurance with up to $75,000 in coverage. Look for a provider with a strong reputation, clear terms, and fixed premiums that won’t increase over time. Your coverage amount will never decrease, and your policy will build cash value, which you can borrow against if needed.

Step 3: Decide on Your Coverage Amount

Think about your family’s needs. How much would they need to cover expenses like funeral costs, debts, or daily living expenses? Policies typically range up to $75,000, and you can also add coverage for your spouse and children.

Step 4: Apply Online

One of the best things about Guaranteed Issue Life Insurance is how easy it is to apply. You don’t need to meet with an agent or face sales pressure. Simply fill out an online application (or over the phone) — it’s quick, straightforward, and hassle-free.

Step 5: Enjoy Immediate Coverage

Once your application is approved, your coverage begins the first of the month following your approval. There’s no 2 year waiting period, so your loved ones are protected from day one.

Guaranteed Issue Life Insurance is a lifeline for those who need coverage but have been turned down elsewhere. By following these steps, you can secure up to $75,000 in protection for your family’s future. Don’t wait—take the first step today and give yourself the peace of mind you deserve.