No Exam Life Insurance

For those that have a more severe health condition that do not qualify for a traditional life insurance policy, a Graded Death Benefit or Guaranteed Issue life insurance policy might be your only option for coverage.

If you have been turned down for coverage or have had a major health condition in the last two years we can help you!

Here are some common health conditions:

  • Cancer
  • Heart issues
  • Obesity
  • Stroke
  • Uncontrolled Diabetes
  • Other high risk medical conditions


These small whole life insurance policies have fixed locked in premium rates that will never increase and will build some cash value. They typically have a 2-3 year waiting period before you can receive the full benefit depending on the insurance company. Therefore, in case of an unexpected death during this time an insurance company would only pay the premiums paid into the policy plus a percentage that would be tax free to the beneficiaries.

You can purchase coverage anywhere from $5,000 to $25,000. The issue ages are 50-80 in most states.

These types of policies are more expensive than a traditional policy due to the severe health condition.

Graded Death Benefit policies will ask only a few health questions and the processing time is 24 to 72 hours. It’s important to discuss your medical condition with your agent since every graded death benefit company will have different qualifying requirements.

Guaranteed Issue policies will not ask any questions regarding your health history. Almost anyone can purchase this type of insurance but the rates are going to be more expensive than a graded death benefit policy.

The real key in purchasing a graded death benefit and guaranteed issue life insurance with is working with a high risk life insurance agent. We know which companies offer the best rates.

Contact us today at 877-817-2583 or complete our request quote form. Let assist you in purchasing the most important coverage that you’ll make for your family!