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Guaranteed Issue Life Insurance in Philadelphia, Pennsylvania

Guaranteed issue life insurance in Philadelphia, Pennsylvania, is a small whole life policy that skips health questions, so applicants within the carrier's eligible age range are generally accepted regardless of medical history. Seniors across Philadelphia, Pennsylvania, the state's largest city and one of the oldest in the country, tend to want the same thing from guaranteed issue life insurance: a benefit that fits real costs and a premium that fits a monthly budget. 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. On a fixed income, compare a guaranteed issue premium with a simplified-issue one before deciding, because qualifying for the second can stretch the same monthly budget further. Guaranteed issue plans are usually offered within a set age range, often starting around 50 and ending somewhere in the 80s, depending on the carrier. Adult children in Philadelphia helping a parent with a serious diagnosis sometimes compare guaranteed issue with simplified-issue plans on one call. If you live in Philadelphia, a licensed agent can walk you through guaranteed issue life insurance in one call, with no commitment.

Call now to speak with a licensed insurance agent. Free, no-obligation review.

• Learn how the graded benefit works in the first two or three years.
• Find out which carriers offer guaranteed issue life insurance to Philadelphia residents.
• Check whether a different policy style could meet the same goal.