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Guaranteed acceptance life insurance, also known as guaranteed issue or final expense insurance, does not require a medical exam or health questionnaire. This type of policy is designed for older ...
Unlike other options, guaranteed life insurance, a form of whole life insurance, bypasses the need for a medical exam for approval. Guaranteed life insurance offers a number of unique characteristics.
Guaranteed issue life insurance: Also known as guaranteed life insurance or guaranteed acceptance life insurance, this policy doesn’t require health screenings or medical exams for approval.
Guaranteed issue life insurance may be the easiest type of life insurance for terminal cancer patients to get because it does not require any health screening or medical exam.
Term life insurance or term assurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions.
The Guardian Life Insurance Company of America is one of the largest mutual life insurance companies in the world. Based in Manhattan , it has approximately 8,000 employees in the United States, and a network of over 3,000 financial representatives in more than 70 agencies nationwide.
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