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Guaranteed Issue Whole Life Insurance

A guaranteed lifetime insurance option designed to help your loved ones with final expenses such as medical bills, credit card debt or funeral costs.


Coverage ranges from $5,000 to $25,000 and if you are between the ages of 50 and 85, your acceptance is guaranteed.

Life insurance protection without any health questions or medical exam

Graded death benefit: Pays 110% of premiums paid during the first two years. Pays full face amount for accidental death and full face amount in the third year and beyond. All rates include a $24 annual policy fee. Insured must be the owner, one policy per owner/insured in a 12-month period; $25K coverage limit; no replacement or conversion into this product allowed; payer can be different from insured; Social Security number will be required as part of the application process. No benefit for accidental death is payable if the Insured’s death is caused or contributed to by: disease or infirmity of mind or body, or medical or surgical treatment for such disease or infirmity; an infection not occurring as a direct result or consequence of an accidental bodily injury; any attempt at suicide, or intentional self-inflicted injury, while sane or insane; travel in an aircraft or device used for testing or experimental purposes, used by or for military authority or used for travel beyond the earth’s atmosphere;active participation in a riot or insurrection; committing or attempting to commit a felony; intoxication as defined by the jurisdiction where the accidental injury occurred;riding or driving an air, land or water vehicle in a race, speed or endurance contest; rock or mountain climbing; bungee jumping; or aeronautics (hang-gliding, skydiving, parachuting, ultralight, soaring, ballooning and parasailing). No benefit for accidental death is payable if the Insured’s death is caused or materially contributed to by: voluntary intake or use by any means of (a) any drug, unless prescribed or administered by a physician and taken in accordance with the physician’s instructions, or (b) poison, gas or fumes, unless a direct result of an occupational accident; or participation in an illegal occupation or activity; or if death occurs while the Insured is incarcerated.

Policies issued by: American General Life Insurance Company (AGL), Policy Forms: ICC15-15532, 15532, 15532-5, 15532-10. Rider Numbers: ICC15-15200, 15200, 15200-10, 15200-35, ICC15-15201, 15201, 15201-9, 15201-10 and 15201-35. Issuing company AGL is responsible for financial obligations of insurance products and is a member of American International Group, Inc. (AIG). AGL does not solicit business in the state of New York. Products may not be available in all states and product features and rates may vary by state. Guarantees are backed by the claims-paying ability of the issuing insurance company.