Guaranteed Issue Life Insurance

So, you’ve been told that you or your loved one doesn’t qualify for life insurance due to a pre-existing condition. In Indiana, Ohio and Michigan our agency provides affordable guaranteed-issue life insurance coverage for clients — even when they’ve been turned down for coverage by another company.

Our agency is one of the very few in the country able to guarantee insurance for men and women with the following medical conditions: Alzheimer’s, Asperger’s, Autism, Cancer, Cerebral Palsy, Down Syndrome, Heart Attack, HIV+/AIDS, Multiple Sclerosis, Muscular Distrophy, Parkinson’s Disease or Stroke. And it couldn’t be easier to qualify because the application has NO health questions.

This plan guarantees anyone aged 40 to 80 the opportunity to purchase up to $25,000 of permanent whole life protection by simply applying for coverage. No medical information or exam is required. The death benefit in the first two years is limited to 110% of the premiums paid. The policy pays 100% in the third year and thereafter. The full face amount of the policy is payable in all years in case of accidental death.


  • NO medical or physical exam – NO health questions
  • Premiums will never increase
  • If your premiums are paid, the policy can never be cancelled.
  • Policy builds cash value

Guaranteed-Issue Life insurance Rates

Life insurance with no medical questions* Rates are current as of October, 2014, and subject to change without notice. This page and illustrations provided are for summary purposes only and contain a general outline of coverages provided. This is not a contract or policy. For a complete and detailed description of coverages and exclusions, refer to the policy forms. Rates are paid monthly by EFT from a checking account on the same day each month or by credit card.

For more information, please send an
email to Dave MacDonald or call us:
Toll-free: (877) 341-5377
Local: (260) 422-5377

Our agency is presently licensed to write this Guaranteed Issue Life Insurance plan in the States of Indiana, Ohio and Michigan.

For residents of Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Hawaii, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming – We will be adding other states in the near future. Click here to inquire when your state may be added. Life insurance agents interested in offering this product in their state may contact Dave MacDonald at (877) 341-5377 for more information.

Call us today: (260) 422-5377 or
(877) 341-5377 (toll-free)