Guaranteed Issued Policies

These policies have a 2-year waiting period. You will pay your premium these first 2 years, however, if you pass on before the 2 year anniversary of the policy, your beneficiary will only receive what premiums you paid plus interest. These are the policies automatically received for prospective clients who gain life insurance other than personally seeing an agent/broker. These policies are good for any and every pre-existing health condition(s).