Vested Legacy GroupGuaranteed Issue Life Insurance
Ages 50-85. No exam. No health questions. You can't be turned down.
Simple coverage for final expenses, so your family isn't left with the bill.
How it works
- Coverage usually ranges from $5,000 to $25,000
- Your price never goes up and coverage never decreases
- Approval is guaranteed for eligible ages
- Benefits paid directly to your beneficiary for any use
The one thing to know: the 2-year waiting period
Because there are no health questions, these policies have a waiting period, usually 2 years. If death is from natural causes during that time, the family gets back the premiums paid plus interest instead of the full benefit. Accidental death is usually covered in full from day one. After 2 years, the full benefit applies.
Should I do guaranteed issue or a simplified plan?
If you can answer a few health questions, a "simplified issue" plan may give you full coverage from day one, often for less money. We check both for you.