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RAPIDecision® Guaranteed Issue

Coverage you can trust will be there for your family. Fast approval, with no medical exam or health questions.

Is this policy a good fit for me? RAPIDecision® Guaranteed Issue is a good option if:

    • You are between the ages of 50-85.
    • You are interested in permanent coverage in amounts up to $25,000.
    • You are looking to lessen the burden of expenses from medical and funeral costs or credit card debt.

More on this product

RAPIDecision® Guaranteed Issue provides a death benefit up to $25,000, with level premiums for the life of your policy. The payout can be used for final expenses including end-of-life and burial costs. The death benefit can also be used for other expenses, such as credit card debt. As a type of permanent whole life insurance, the policy provides for the accumulation of cash value.

Quick policy approval comes in days not months, and your coverage starts immediately upon approval. Guaranteed issue insurance is a life insurance policy with no health qualifications, and your approval is not dependent on results from public database sources, like Motor Vehicle Registration (MVR). RAPIDecision® Guaranteed Issue life insurance provides a reduced death benefit in policy years one through three, with full death benefits in year four and later.

Want to apply for final expense coverage with higher coverage amounts? Explore RAPIDecision® Final Expense.


Life insurance quotes & coverage in 3 easy steps

Find my policy

Tell us about yourself, and we’ll match you to available life insurance policies that meet your needs and work with your budget.

Get a quote

Select the life insurance policy that works best for you. We’ve made it fast and easy to get a quote online or to connect with one of our agents.

Apply and buy

Check getting life insurance off your to-do list. We’ll walk you through the application and purchasing process. Coverage often starts the same day.

Who needs guaranteed issue life insurance?

As you get older, you may no longer have to deal with financial responsibilities like a mortgage or dependent children. However, it’s still important to plan for later-life expenses – like funeral costs, lingering debts, and medical bills. Life insurance can help you cover those expenses, so your family won’t have to worry about them when the time comes.

RAPIDecision® Guaranteed Issue is designed to help older adults get the coverage they need – even with health issues that might prevent you from qualifying for other policies. With some types of life insurance, you need to take a medical exam or answer health questions during the application process in order to qualify. Having a history of serious conditions like cancer, or chronic conditions like diabetes, can make it difficult to qualify for many life insurance plans. Just like the name suggests, guaranteed issue life insurance for seniors is a way to lock in the peace of mind life insurance provides.

RAPIDecision® Guaranteed Issue may be a good choice for retired or mature adults between the ages of 50 to 85 looking to ensure those final costs are covered, or who want to supplement their existing life insurance.

Need more coverage? You have options. Depending on your health and age, RAPIDecision® Final Expense, RAPIDecision® Senior Whole Life, or one of our term life options may be a better fit.

How does RAPIDecision® Guaranteed Issue work?

RAPIDecision® Guaranteed Issue has a simple approval process to help you get covered right away. Here’s what to expect:

  • Shop and buy: Our team will start by helping you determine the right amount of coverage for your needs. You don’t have to take a medical exam or answer any health questions, so you can submit your application right away. If you’re in the right age range for our product, approval is guaranteed and your coverage can start in just a few days.
  • Enjoy coverage: Once you’ve been approved, you’ll need to continue making your premium payments to keep your policy active. Guaranteed issue is a type of permanent life insurance policy, so it will last for the rest of your life and build cash value over time, as long as you make those payments. Best of all, your premium amount will never change or increase, which can make it easier to budget if you live on a fixed income.
  • Protect your family: After your death, your beneficiaries will receive a cash payout for your coverage amount. They can use that money to pay for your funeral, credit cards, medical debt, or however else they wish. Your RAPIDecision® Guaranteed Issue plan starts with a reduced death benefit for the first three years of the policy, with full death benefits beginning in year four.

Quick Answers to Common Questions

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Get your life insurance quote online or call one of our agents at (866) 912-7775(866) 244-5475