Guaranteed Issue Life Insurance Calculator

If you are price shopping, you will likely notice our rates through Corebridge Financial are among the most competitive in the market. We also work closely with Mutual of Omaha as a secondary option.

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We can add up to $20,000 more to your protection plan. Let us know in the form below.

Aaron Polk, licensed agent at Golden Shield Life Insurance. Got any questions? Click to call 678-884-4653

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Accidental Death

Your Family Receives the Full Face Amount From Day One

If you pass away from an accident while insured, guaranteed issue pays the full face amount. There is no two-year wait for accidental death. The two-year waiting period only applies to death from natural causes.

Subject to the policy’s definition of accidental death, exclusions, and state availability.

How the two-year graded death benefit works in guaranteed issue life insurance

How the Two-Year Graded Benefit Works

Guaranteed issue coverage asks no health questions, so the full death benefit for natural causes starts after a two-year waiting period.

  • Months 1 to 24: beneficiaries receive 110% of premiums paid for natural death.
  • After 24 months: beneficiaries receive 100% of the policy death benefit.

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