Do I Qualify For Guaranteed Issue?
Three taps. We match your age, state and amount against the published rules of eight carriers. Nothing is sent anywhere — this runs in your browser.
- Age is the only real gate: 45–85 at the widest carrier, 50–80 at most.
- State matters at the edges: New York, Montana, Wyoming, Washington, Maine and South Dakota each knock out or limit a carrier.
- Amount above $25,000 means Great Western, CICA, or two policies.
What Does Not Matter
Your Health
Cancer, heart disease, COPD, diabetes with complications, kidney failure, dementia, HIV, a transplant — no question is asked, so no answer can disqualify you.
Your Prescriptions
Guaranteed issue carriers do not underwrite your prescriptions; simplified-issue carriers usually check a prescription database.
Prior Declines
Being turned down elsewhere has no effect. It is a common reason people end up here.
What Can Still Block An Application
Age Outside The Band
Under 45 or over 85 at Mutual of Omaha; under 50 or over 80 at Gerber and Corebridge. CICA issues 0–85 and Great Western from 40.
State Availability
Gerber: not Montana. Corebridge: not New York or Maine. Fidelity Life: not New York or Wyoming. Great Western: not Washington. New York caps Mutual of Omaha at ages 50–75 and Gerber at 75.
Total Coverage Caps
$25,000 of guaranteed issue per person at Mutual of Omaha, Gerber and Corebridge (counting policies you already hold with them).
Payment
Most carriers require bank draft or a card; some accept monthly direct bill at a higher rate.
Rules from carrier-published materials as of Oct 22, 2026 — Mutual of Omaha, Gerber Life, Corebridge Direct, Fidelity Life. The carrier's application controls.
One More Check Before You Buy
If you can say "yes, my conditions are managed" to a few health questions, ask for a simplified-issue quote first. Same no-exam convenience, full benefit from day one, and a lower price per $1,000. We quote both so you can see the difference.
Check Both My OptionsChoose How You Want To Do This
Talk To A Licensed Agent
Ten minutes. We check whether you can get a policy with full benefits from day one before we sell you a graded one. Business hours, Eastern time.
Call 561-339-0727Request Options In 60 Seconds
Age, state, amount, one health question. A licensed agent texts or emails your options — guaranteed issue and anything better you qualify for.
Check My OptionsApply On My Own
Open our carrier tool, answer a few screens, get a decision online. Guaranteed issue has no health questions; the graded benefit is shown before you sign.
You will leave this site for a carrier tool. Rates shown there are estimates until the carrier confirms. Agent of record: Phamella Bauer (NPN 22053821), NovaVida Group.
Mutual of Omaha, Gerber Life, Corebridge and the other carriers in our table are quoted by an agent — call 561-339-0727.