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What Is Guaranteed Issue Life Insurance?

First off, Guaranteed Issue Life Insurance is a kind of permanent life insurance designed to provide the financial resources to pay for:

  • Funeral services
  • Burial (cremation, urn or casket, burial plot, headstone, etc.)
  • Medical bills
  • Debts you don’t want your family to have to worry about
  • Other costs associated with death

Why You Should Consider All Life Insurance Options.

While guaranteed issued life insurance is a great option for some it’s not always the right choice for all. The premiums can be higher than a comparable life insurance policy. That’s why we recommend talking to a specialist about all your options before making a decision, because even if you’ve been turned down for coverage in the past, it doesn’t hurt to ask. You might even be pleasantly surprised! There are alternative insurance policies you might be able to qualify for coverage under.

Next, there is another factor you need to consider while making insurance decisions is that guaranteed issue life insurance policies are normally for smaller benefit amounts than comparable life insurance policies. Usually, the policies issued for death benefits are between $5,000 and $50,000. This might be exactly what you are looking for. But if it’s not, that’s another reason why it’s important to consider all your options and ask a specialist about other life insurance options.

Why Guaranteed Issue Life Insurance Might Be The Right Fit For You.

Typically, Guaranteed Issue life insurance is recommended for people who can’t qualify for traditional fully underwritten insurance policies. This is usually a result of health, lifestyle, or other factors. Coverage is guaranteed for life, regardless of those factors. This can save your loved ones from having to pay for final expenses or any other expenses after you’re gone.

While this is not the only option, this can be a good option for you if you are HIV+ and need life insurance.

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Talk to a concierge service representative today for free.

(844) 527-6771

Why trust Pride Life?

You should rely on whoever gives you the best guidance on insurance policies. It's up to you to decide. We challenge you to call our experts and put them to the test.


  • 5 star review  Pride Life assist with enrolling MANY of my clients into marketplace policies for their health, dental and vision needs . They are very prompt and are excellent with choosing the right marketplace policy. I've been connected with them for about 2-3 years now. I'd definitely recommend! - Lee W.

    thumb Lee Wilson
  • 5 star review  Superior Customer service from the operators and the service coordinators. Excellence in collaborating needs of my clients who qualified for health care. My clients were very happy knowing it was an easy process signing up for health care with a phone call in language and terms they could relate to. Hope to work with them again in the future.

    thumb Cathleen Monahan
  • 5 star review  They made getting insurance with their company fairly easily. They assisted me whenever I needed it. Even to the smallest detail. I would recommend this insurance company to my family and friends.

    thumb Terry Murphy
  • 5 star review  As a medical case manager, I’ve enjoyed working with the staff at Pride Life. Everyone is humble, compassionate and empathic. Each staff displays enthusiasm, initiative and remarkable service. It is a pleasure to always work along side this impactful organization.

    thumb Justin Guy
  • 5 star review  I've had nothing but a helpful and wonderful experience with Pride Life. I ran into a couple difficulties while trying to get my insurance situated and was helped every step of the way. Everytime i called, the staff member over my case was knowledgeable and thorough in getting the problem solved and making sure my insurance was never lost. If i called and left a message, i was always had a return call from them in a timely fashion and all questions were answered, plus some. Highly recommended and proffessional. Thank you Darren and Danny for a pleasurable experience and the opportunity to have health insurance. You are a definite asset to the company. Once again, highly recommended!

    thumb Zachariah Long