Guaranteed Issue Life Insurance

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With Guaranteed Issue Life Insurance, you can rest easy knowing that you can obtain the coverage you need regardless of your circumstances. Guaranteed Issue Life Insurance is a permanent plan with simple eligibility requirements, just one qualifying health question, and no medical exams required to start coverage. Regardless if you’ve been previously denied insurance for any reason, or are simply planning for your future, Guaranteed Issue is a simple and effective way of obtaining coverage.

Features of Guaranteed Issue Life Insurance

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• Lifetime protection: Coverage that stays with you for life, helping protect your loved ones.

• Up to $50,000 in coverage: Choose 5,000–50,000 for ages 18–70, or 5,000–25,000 for ages 71–80.

• Simple eligibility: Canadian citizens or permanent residents ages 18–80, can qualify by answering “No” to one health question: “Have you been diagnosed with a life expectancy of 24 months or less, or are you in the hospital or terminally ill?”

• Premiums that never increase: Fixed payments make it easier to plan your budget.

• Payments end at age 100: Your lifetime coverage continues with no further premiums.

• Extra protection for accidental death: Pays three times your chosen coverage until age 70, then an amount equal to your chosen coverage.

Waiting period: Years 1–2 provide a return of premiums; year 3 provides 50% of the sum insured; full coverage begins in year 4.

Why Consider Guaranteed Issue Life Insurance

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• You are concerned about your health status or age.

• You have been denied life insurance coverage in the past for any reason.

• You are ineligible for certain life insurance policies.

• You do not wish to obtain a medical exam or feel that in doing so would render you ineligible for life insurance.

• You are planning your final expenses.