If you’re a smoker and have been denied life insurance before, you’re not alone. Many smokers assume they can’t get coverage—but guaranteed issue life insurance changes that.\
Guaranteed issue life insurance is a no-exam, no-health-questions policy designed for smokers (and others) who need coverage without medical tests or rejections. If you’re between 18 and 85, you can get approved—regardless of smoking habits, health issues, or high-risk jobs or hobbies.
Why Guaranteed Issue Life Insurance Works for Smokers
1. No Medical Exams or Health Questions Asked
Unlike traditional life insurance, guaranteed issue policies don’t require medical exams or ask about your health history. It doesn’t matter if you smoke cigarettes, cigars, or vape; have diabetes, heart disease, or other pre-existing conditions; were denied life insurance before; or have a high-risk job or dangerous hobby. You cannot be turned down.
2. Fast & Easy Approval—Coverage in Days (Not Months)
Forget long underwriting delays. With guaranteed issue life insurance, there are no waiting period options (some policies cover you immediately), a simple application—just basic info (no doctor visits or lab tests), and quick approval—some insurers approve you in minutes.
3. Permanent Coverage That Lasts a Lifetime
This is whole life insurance, meaning coverage never expires (as long as you pay premiums), with level premiums—your rate never increases with age, and cash value grows over time—you can borrow against it if needed.
4. Coverage Up to $75,000
The death benefit can help your family pay off debts (mortgage, credit cards, medical bills), cover funeral costs (average $7,000–$12,000), and leave a financial legacy for loved ones.
5. Protect Your Whole Family
Some policies let you add coverage for your spouse (even if they smoke or have health issues) and your child (affordable riders available).
Who Is This For?
Guaranteed issue life insurance is perfect if you:
✅ Smoke or use tobacco (cigarettes, vapes, cigars, etc.)
✅ Have been denied life insurance before
✅ Have health problems (diabetes, COPD, cancer history, etc.)
✅ Work a dangerous job (construction, trucking, etc.)
✅ Need coverage fast (no waiting period options)
Peace of Mind for Smokers
If traditional insurers have turned you down, guaranteed issue life insurance is your solution. It offers no medical exams, no health questions, lifetime protection, cash value growth, and fast approval. Don’t let smoking or health issues stop you from protecting your family. Apply today—coverage starts as soon as you’re approved.
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