Step By Step

How Applying For Guaranteed Issue Works

From "do I qualify" to a policy in force — online in about ten minutes, or with an agent on one call.

1. Pick The AmountFuneral, final medical bills, a cushion. The NFDA median funeral with burial is $8,300; with cremation $6,280 (2023). A common choice is $10,000–$15,000.
2. Check Age And StateOur checker shows which carriers can accept you. Over 85 or under 45? Call — there are other routes.
3. Try Simplified Issue FirstIf you can answer a few health questions, you may skip the graded period entirely and pay less. Our online tool offers both.
4. ApplyOnline through our carrier tool (Fidelity Life RAPIDecision) or by phone with an agent for Mutual of Omaha, Gerber, Corebridge and others. No exam, no medical records.
5. Read The Graded Benefit Before You SignIt is printed on the application and the policy. Two years at most carriers, three at Fidelity Life.
6. Policy In ForceCoverage starts when the first premium is drafted. You have a free-look period (10–30 days by state) to cancel for a full refund.
Fidelity Life · RAPIDecision GI

What The Online Application Asks

  • Name, date of birth, address
  • Coverage amount (up to $25,000)
  • Beneficiary name and relationship
  • Payment method (bank draft or card)
  • Electronic signature

Not asked: any health question, doctor, medication or diagnosis.

Start The Online Application

What Happens After

Premiums Never Rise

Level for life at every carrier in our table.

Cash Value Builds

Slowly. It can be borrowed against (Gerber's loan rate is 8%) or taken if you surrender the policy.

Claims

Beneficiary submits a death certificate and claim form; timing varies by carrier once documents are complete. During the graded period, the carrier pays the graded amount for natural causes.

Three Ways In

Choose 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 561-339-0727

Request 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 Options

Apply 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.

Guaranteed Issue Whole Life · Fidelity Life (InstaBrain)Ages 50–85 · up to $25,000 · no health questions · three-year graded death benefit (full benefit for accidental death) · not available in NY or WY
Apply — Guaranteed Issue
Final Expense Whole Life · Fidelity Life (InstaBrain)A few health questions · full benefit from day one if approved · usually less per $1,000 than guaranteed issue — try this first if your health is managed
Apply — Final Expense
Accidental Death Benefit · Fidelity Life (InstaBrain)Pays only for accidental death · no health questions · larger amounts for a small premium · not a substitute for life insurance
Apply — Accidental Death

Mutual of Omaha, Gerber Life, Corebridge and the other carriers in our table are quoted by an agent — call 561-339-0727.

📞 Call✅ Options💬 Text