Final Expense Insurance · County page

Guaranteed Issue Life Insurance in Allegheny County, Pennsylvania

Guaranteed issue life insurance appeals to seniors in Allegheny County, Pennsylvania, living with serious health conditions, because acceptance is based mainly on age rather than medical history. Wherever you live in Allegheny County, guaranteed issue life insurance can be set up by phone and sized to the arrangements your family expects. Most guaranteed issue policies use a graded benefit, so if death from natural causes occurs in the first two or three years, the beneficiary typically receives a return of premiums paid, often with interest, rather than the full benefit. Older applicants are often steered straight to guaranteed issue, but many can still qualify for a plan that asks a few health questions, which usually means a lower premium and a full benefit sooner. Because the carrier accepts more risk, guaranteed issue usually costs more per dollar of coverage than a plan that asks health questions. Older adults in Allegheny County who simply prefer not to answer health questions can choose a guaranteed issue plan, knowing it usually carries a waiting period. We help Allegheny County residents compare guaranteed issue life insurance in plain language, and you are free to decide later.

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• Compare premiums per dollar of coverage across guaranteed and simplified plans.
• Work out how much guaranteed issue life insurance coverage fits your budget and goals.
• Compare guaranteed issue life insurance with other final expense insurance options available in Allegheny County.