The Guaranteed Issue Carriers We Quote
Eight carriers, one table, every graded rule spelled out. Apply online with Fidelity Life, or have an agent quote the rest.
| Carrier & product | Issue ages | Amounts | Graded period | Natural death in graded period | Accidental death |
|---|---|---|---|---|---|
| Mutual of Omaha (United of Omaha) Guaranteed Whole Life WA minimum $5,000; $25,000 aggregate cap; premium never increases | 45–85 (NY 50–75) | $2,000–$25,000 | 2 years | Reduced benefit — 110% of premiums paid (per United of Omaha product page; Mutual of Omaha chart says "reduced death benefit") | Full benefit |
| Fidelity Life RAPIDecision Guaranteed Issue Not in NY or WY (Fidelity Life does not do business there); sold through our InstaBrain tool | 50–85 | Up to $25,000 | 3 years | Reduced benefit in years 1–3 | Full benefit |
| Gerber Life Guaranteed Life Not in MT; SD max $15,000; builds cash value | 50–80 (NY to 75) | $5,000–$25,000 | 2 years | Premiums paid + 10% | Full benefit |
| Corebridge Direct (American General) Guaranteed Issue Whole Life Chronic- and terminal-illness riders included; not NY/ME | 50–80 | $5,000–$25,000 | 2 years | 110–120% of premiums paid | Full benefit from day 1 |
| Colonial Penn Guaranteed Acceptance Rates start at $9.95/mo per unit; one unit may be a few hundred dollars of coverage at older ages | 50–85 | Sold in "units" (benefit per unit falls with age) | 2 years | Limited benefit | Not stated on carrier page |
| Great Western Guaranteed Assurance Not in WA | 40–80 | $1,000–$40,000 | 2 years | 110% of premiums paid | Full benefit |
| Americo Eagle Guaranteed Year 4 and after: 100% | 50–80 | $5,000–$10,000 | 3 years (graded) | Year 1 premiums + 5%; year 2 + 10%; year 3 75% of face | Full benefit (included at no cost) |
| CICA Life Superior Choice GI Agent guide figures | 0–85 | $1,000–$30,000 (to age 70); $1,000–$10,000 (71–85) | 2 years | 110% of premiums paid | Optional rider doubles face |
Compiled Oct 22, 2026 from Mutual of Omaha, Fidelity Life, Gerber Life, Corebridge Direct, Colonial Penn, Americo and agent guides in our library. State availability and amounts change; the application controls.
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CICA LifeCheck my options →
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These open our carrier tool in a new tab. The graded benefit is displayed before you sign.
Guaranteed Issue Whole Life
Fidelity Life RAPIDecision · ages 50–85 · up to $25,000 · no health questions · three-year graded benefit; accidental death pays in full · not NY/WY.
Apply — Guaranteed IssueFinal Expense (A Few Questions)
Fidelity Life · full benefit from day one if approved · usually less per $1,000 than guaranteed issue. Try this first.
Apply — Final ExpenseAccidental Death Benefit
Fidelity Life · pays only for accidental death · no health questions · a supplement, not life insurance.
Apply — Accidental Death
Agent-Quoted Carriers
Mutual of Omaha, Gerber Life, Corebridge Direct, Great Western, Americo and CICA are quoted by a licensed agent, who also checks whether a simplified-issue policy would beat all of them. One call, every carrier we represent, no added cost.
Call 561-339-0727 Request Options