Educational guide · California

Life Insurance With No Health Questions: Guaranteed Issue

Learn about guaranteed issue life insurance without health questions or a medical exam for eligible applicants.

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No medical questionnaire required

For the guaranteed issue product described here, eligible applicants do not complete a medical questionnaire or medical examination. This is different from simplified issue insurance, which may ask health questions.

Who can request a quote

The current calculator is designed around the advertised age and coverage ranges, pending confirmation of the current California schedule. It provides estimates, not binding insurance offers.

What happens after a request

Your information goes to a licensed insurance professional for follow-up. The official application, verification and policy issuance happen afterward.

Read the policy limitations

Some policies limit the death benefit for nonaccidental death during an initial waiting period. See our dedicated explanation before making a decision.

Important: this website collects contact requests; it does not issue insurance. Submitting a form does not activate coverage. Some policies limit benefits during an initial waiting period. The policy controls.
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