Guarantee Issue/High Risk Life Insurance Plans

“Healthy people” sometimes take for granted the ability to easily obtain important coverage to protect themselves and their family. Sometimes they wait until it’s too late. Others may never get the opportunity to have these choices.

You, and even your doctor, may consider you to be healthy, but because of a health condition, a combination of conditions, or your physical build you may have been declined for coverage from other insurance companies.

We may be able to get you a life insurance policy if you have HIV/AIDS, Cancer, recent Heart Attack/BYPASS, Liver Transplant, etc....
    • No questions asked on the application for some companies
    • Minimum Issue age is 40 in most states.
    • No Physical Exam or Dr's reports for some companies
    • Depending upon your age and state you can be insured up to $1,000,000 –
      no question applications generally cap you at $50,000
    • Permanent Whole/Universal Life Insurance
    • Call us if you’ve been declined elsewhere – we want your business.
Our programs give you the Life Insurance Coverage you need. We have a handful of companies that underwrite these higher risks. They all do the underwriting a little bit different. In any case we’ll try to get you what you need. You’ll pay more than someone who doesn’t have the medical condition, but the premiums are probably less than you think.

To give you an idea of cost, you'lre looking at about $105/month for a 40-45 year old for a $25,000 policy. The more detailed the medical information you give us, the better the job we’ll be able to do for you. Please call us if you prefer to give that information over the phone. As with all of your information, everything is kept confidential. Complete following information to receive quotes:

Click Here to download rates and application package for High Risk Life Insurance policies from $5,000 - $50,000. No health questions asked and no medical exam needed. Fill it out and send back today -- usually can start in less than two weeks. Look at this policy prior to filling out form below as we may just e-mail this same information back and there's no need to wait for it since it is available now.. Thanks.

We respect your privacy and will not share your data with outside parties.

Due to the volume of quote requests, please know that any request that is not completely filled out
may be disregarded.