Guaranteed Issue Whole Life Insurance provides permanent Life Insurance coverage with no medical exam and no health questions for most applicants. It is designed for individuals who may have health conditions and still want lifelong protection and peace of mind.
We work with established U.S. insurance carriers to provide a range of policy options and underwriting approaches.
Accessible lifelong protection designed for individuals who want coverage without medical requirements.
At Hexis Legacy Group, we recognize that health history or age can sometimes make it difficult to qualify for traditional life insurance. Guaranteed Issue Whole Life Insurance is a type of permanent coverage that offers lifelong protection with guaranteed approval—regardless of medical conditions.
This type of life insurance does not require a medical exam or health questionnaire. Approval is guaranteed as long as the applicant meets the basic eligibility requirements, making it one of the most accessible forms of permanent coverage available.
The primary purpose of Guaranteed Issue Whole Life Insurance is to ensure individuals can still secure coverage for end-of-life costs, such as funeral expenses, medical bills, and other final obligations—even if they have been declined for other types of insurance.
As an independent insurance agency, Hexis Legacy Group works with multiple carriers to help you compare available guaranteed issue plans and find coverage that aligns with your needs, budget, and eligibility, providing clarity and peace of mind when it matters most.
We provide a range of life insurance options designed to meet different needs — from affordable short-term protection to simplified permanent coverage for final expenses and legacy planning.
Affordable coverage for a set period of time, designed to provide financial protection during your most important years — such as raising a family or paying off a mortgage.
Learn More Final ExpenseA whole life policy designed to help cover end-of-life expenses such as funeral costs, medical bills, and other final obligations.
Learn More SIWL · No ExamA permanent life insurance policy with simplified underwriting based on basic health questions rather than a full medical exam.
Learn More GIWL · GuaranteedA whole life insurance option that guarantees approval regardless of health history, typically used for final expense planning and legacy protection.
Learn MoreSecure peace of mind with Guaranteed Issue Whole Life Insurance designed to ensure coverage when other policies may not be available.
Get Covered NowProvides lifelong Life Insurance protection for individuals who may not qualify for traditional underwriting.
Typically 50 to 85+, depending on carrier.
No health questions required for most plans.
Not required.
Guaranteed issue (no medical underwriting).
Guaranteed Approval once application requirements are met (subject to age limits and carrier rules).
Individuals who cannot qualify for traditional Life Insurance but still want guaranteed protection for final expenses and end-of-life costs.
It's more than a policy — it's protection that's always within reach, ensuring coverage is available even when other options are not.
We assist clients nationwide and provide guidance tailored to state-specific availability and regulations.
Don't see your state? Contact us — we add new state availability regularly and may have updated coverage options for your area.
Guaranteed Issue Whole Life Insurance ensures you can still protect your loved ones, regardless of your health history.
Get Started TodayHexis Legacy Group is a licensed independent insurance agency. Our license credentials are listed in the header above for verification.
Coverage availability varies by state. Rates and eligibility are subject to underwriting approval. Not all applicants will qualify. All products are offered as part of a solicitation for insurance. Some policies may include graded benefits or waiting periods.
TCPA consent is required for phone and SMS communication. This website is not affiliated with any government program including Medicare, Medicaid, or Social Security.
For questions about coverage availability in your state, please contact a licensed agent. All policies are issued by participating insurance carriers and subject to their terms and conditions.
