Guaranteed Issue Life Insurance [Enroll Now]
This life insurance is available to everyone aged 18 to 75 as long as it is offered in your state. Benefits are between $10,000 and $50,000, there are no medical questions asked and everyone is accepted.
Rates stay the same for 5 years, the premiums are solely based on age and the amount you need, and there are no penalties for early cancellation . If you’ve been declined before because of a pre-existing condition, this plan is the one for you.
Is this plan offered in every state?
In a word, No. Though the company is adding state all the time, getting new life insurance plans approved at the federal and state level is a time consuming process.
33 Approved States – Updated For 2021
AL AR, AZ, CA, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NJ, NM, NV, OH, OK, PA, SC, TN, TX, VA, WV, WY.
If you don’t see your state listed, call our office for the most recent information. New states are approved all the time.
Are there any other benefits besides life insurance?
Above and beyond the guaranteed issue life insurance there are additional benefits designed to help you live a healthy life:
- Free in depth wellness assessment to chart a course to a healthier you.
- Would you like to explore healthy options that your doctor may be keeping from you? This plan includes a free consultation with a naturalistic doctor who will design a natural treatment plan with natural allergy management.
- Forget those weight loss plans. This plan will design a natural weight loss program for you with real food and lifetime weight management!
- Do you take vitamins or prescriptions? This plan comes with a discount card that will help you find the lowest RX price available. You and your family members can save up to 25% on your prescription medications and up to 15% on vitamins and supplements.
Are there any exclusions or limitations?
Yes there are a few.
While the plan is in force, if you died of an accidental death or a death other than disease, the full amount of your benefit is paid to your family. For instance, if you made one payment, and then tragically died in a car accident, your beneficiaries would receive 100% of the plan’s benefit.
If you die of disease, or a natural death within two years, there are some limitations on what the life insurance will provide for your family. This is a fair offer considering all health risks are accepted and approved with no medical questions.
| For a Death by Disease Within… | …The Plan will pay |
| The first 12 Months (Year 1) | All Premiums paid plus 20% |
| Months 13 – 24 (Year 2) | 20% of your plan’s total benefit amount |
| Months 25 and beyond (Year 3) | 100% of your plan benefit amount |
This type of limitation or exclusion is known as a “modified death benefit” or a “graded death benefit” in the life insurance world. Compared to the other offers out there for guaranteed issue, the Protection Plus plan is a great value.
If you cannot see the frame above and would like to apply, click this link to apply!