Guaranteed Issue Life Insurance with No Medical Exam
Coverage that’s always available—no health questions asked.
Guaranteed issue life insurance is a simple, no-hassle way to secure coverage, especially if you’ve faced health challenges. At Lorraine Smith Insurance, we offer guaranteed issue policies that require no medical exam, no questions, and no delays—just peace of mind for you and your loved ones.
What Is Guaranteed Issue Life Insurance?
Guaranteed issue life insurance is a type of whole life policy available to almost anyone, regardless of health status. There’s no medical exam, no health questions, and acceptance is guaranteed. It’s typically used for final expenses, debt relief, and legacy planning.
Benefits of Guaranteed Issue Life Insurance
No Medical Exam
Coverage without tests, doctor visits, or health questions
Fixed Premiums
Rates that stay the same for life
Guaranteed Approval
Everyone qualifies, even with serious health conditions
Simple Application
Quick approval, often within days
Lifetime Coverage
Protection that never expires as long as premiums are paid
Is Guaranteed Life Insurance Right for You?
This type of policy may be right for you if you:
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Have been declined for traditional life insurance
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Need a policy for final expenses, debts, or funeral costs
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Want simple, fast coverage with no health screening
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Are between the ages of 50 and 85
Why Choose Lorraine Smith Insurance?
We’re here to help you get coverage—no matter your health history. At Lorraine Smith Insurance, we provide:
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Clear explanations and compassionate support
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Fast, no-pressure quotes tailored to your age and budget
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Trusted providers and policies that deliver when it matters most
We believe everyone deserves affordable, accessible life insurance.
