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Guaranteed Issue Life

Guaranteed Issue Health and Supplemental Insurance

Below plans and rates for Guaranteed issue supplemental insurance plans there are plans available without underwriting requirements. If you can not qualify for either Life insurance or Critical illness coverage due to a pre-existing condition then your alternatives might be a guaranteed issue. For Life products it can be a graded life policy or CI guarantee issue.

If you do not need guaranteed issue critical illness, life insurance or other, and qualify for coverage if your health is good, then you will be able to obtain more benefit coverage for less cost. To see simplified underwriting quotes simply fill out the quote form at very top of this page.

Since the below plans are Guaranteed issue health insurance supplement related products it is not meant to be major medical insurance, rather, a supplemental to health insurance which can help offset the out of pocket costs expenses. Below rate plans typically meant for individuals who can not qualify but need guaranteed issue by joining a group to get guaranteed issue. It is however open to all.

If you are an employer or looking for group worksite benefits these benefits are not for you. Please contact the center for your own group rates which will be be far less than shown below.

Again, important to note that if you can qualify for simplified or full underwriting critical illness insurance or term life insurance then you should contact us for a quote that might be far less than the prices listed below ESPECIALLY if you are younger than 60 years old, and healthy.


Plan 1


Plan 2


Plan 3


Guaranteed Issue Term Life insurance $10,000 $20,000 $20,000
Guaranteed issue Critical Illness Insurance $5,000 $10,000 $25,000
Guaranteed Issue Accident Medical Expense Benefit $5,000 $7,500 $7,500
Accidental Death and Dismemberment 15,000 25,000 $25,000


(below are discounts NOT INSURANCE)

Doctor, Hospital & Lab Included Included Included
Contact Lenses(new qvn) Included Included Included
Tiered Vision Included Included Included
Tiered Prescription Included Included Included
Chiropractic Included Included Included
Counseling Included Included Included
24 Hour NurseCare Hotline Included Included Included
Holistic Included Included Included

Cost Monthly $ 79.00 $ 99.00 $ 129.00

This is an existing Association that individuals can join to receive access to the association’s group guaranteed issue insurance benefits. Group Critical Illness Insurance is typically sought after for those that have been turned down or would be due to medical conditions that would prevent them from getting coverage otherwise from an underwriter.  The above coverage pays a lump sum payment to offset the costs associated with critical illnesses including;

  • Heart attack
  • Coronary artery bypass
  • Stroke
  • Life threatening Cancer
  • Paralysis
  • Kidney failure
  • Coma
  • Loss of sight
  • Speech or hearing
  • and Severe burn(s)

Fact: In group plans you may have a waiting period, but you can not be denied coverage all together. If you have a pre-existing condition join a group association enrollment like this!

Critical Illness Insurance provides insureds with valuable protection and the freedom to choose the lifestyles and treatments they prefer. THERE IS A 12/12 PRE-EX which means: If a diagnosis or treatment was made during the 12 months prior to enrollment there will be no coverage for the first 12 months.(24 months for MISSOURI residents). The benefit is payable once.

Call the Critical illness insurance resource center to apply.

Coverage not available to be written in all states please contact for state availability. See policy terms and conditions in policy and explanation of benefits. Currently available in AL, AZ, CA, CO, DE, DC, FL, HI, IL, IN, IA, KS, KY, MA, MI, MN, MS, MO, NE, NV, NJ , NM, OH, OK, PA, RI, SC, TN, VA, WI, WY ®©™