CALL NOW!

866-579-2853.

Compare 50+ Carriers, including:

Click the button for YOUR Best Policy!

After answering the questions below LifeBrain will match you with your best policy at the lowest rates.

Covers You For

Coverage Term

Date of Birth

We won't tell, promise! :-)

Gender

Male

Female

You will automatically receive a quote for Preferred Non Tobacco health class. If you have health concerns or are a smoker, please click the "Do I Qualify?" button next to the quote.

LifeBrain has found these low rates for you.

Click on the company logo for details. Click the Choose button to complete your application.

Click for Even Better Quote

Complete all fields below so that we may further refine your quote:

Covers You For

Coverage Term

Date of Birth

Gender

Male

Female

Height

Weight

Have you smoked cigarettes in the past 12 months?

Yes

Lowest Price

${PREM_AMT}/month

Details

{PREM_STARS}

{PREM_TYPE}

Do I Qualify?

Second Lowest Price

${PREM_AMT}/month

Details

{PREM_STARS}

{PREM_TYPE}

Do I Qualify?

A Bit More Detail about Guaranteed or Instant Issue Life Insurance

Guaranteed issue products are specifically designed so that older people with a lot of health problems have the opportunity to leave money behind for their loved ones. The typical age range of people who apply for GI is anywhere from 50 to 80 years old.

Guaranteed Issue is often instantly issued because other than age, there really is not much else an insurance company needs to know. GI carriers will not discriminate against you because of health conditions!

But, what we find often is that our clients are either 1) assuming that they don’t quality for other insurance products too soon or 2) not reading the fine print for this type of policy.

While it is true that guaranteed issue life insurance is a smart solution for people who don’t have other options, you’d be surprised by how lenient some insurance carriers can be. The first step before looking into guaranteed issue is to really exhaust your options with an accurate online quoter like our new Intellasearch AI. This algorithm allows for consumers to put the entire breadth of their health problems into the search to find the best product.

If you’ve already done this, call a financial advisor. We offer free consultations over the phone at www.lifesbestinsurances.com. There are a few life insurance carriers in the industry that experts in impaired risk illnesses like diabetes, HIV, and similar conditions. Although these conditions will always yield a higher premium, you could still end up getting a term policy with a great death benefit.

Even still - not all Guaranteed Issue Life insurance products are the same! Because the insurance company takes on a significantly higher risk in insuring GI clients, the premiums are much more expensive. That is why it’s important to make sure you know every option when it comes down paying premiums.

Furthermore, the death benefits on guaranteed issue are a fraction of regular terms. It’s very common for people to have death benefits between $5000 to $50,000, but seldom any higher.

The fine print in Guaranteed Issue Life Insurance is important as well. Just because you find a product doesn’t mean it's available in your state, so be careful in your search.

The policies are usually graded benefit, as well. In most cases, if you were to pass away within 2 years of getting the policy, you will not receive the death benefit. Instead, you’ll just receive a refund of your policy premiums.

Guaranteed issue life insurance is a fantastic product but make sure you’re doing you’re homework before pulling the trigger!

-- Instant/Guaranteed Life Insurance HOME

Why Buy Instant/Guaranteed Issue Life Insurance?

Why Buy Any Life Insurance At all?

"Term" Life Insurance Compared to All Other Kinds (Handly LIfe Insurance Table)

CALL NOW!

866-579-2853.

Compare 50+ Carriers, including:

How much Insurance do you need?

Click the button for YOUR Best Policy!

One Step Away from the Best Quotes

Medical Info

LifeBrain has found these low rates for you.

Lowest Price

Second Lowest Price

Congratulations! You are seconds away from a great policy.

We need to know a few more details about your health in order to find your lowest quote.