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10 Best Guaranteed Issue Life Insurance

Looking for a whole life insurance policy that builds cash value and offers lifelong protection? Our expert-reviewed list ranks the best whole life insurance companies, covering both traditional whole life insurance with cash value growth and guaranteed issue life insurance for final expense needs. Compare policy riders, dividend potential, and coverage options to find the best fit for your goals.
Best Overall
Our Partner
Best for guaranteed issue whole life insurance
  • Age Eligibility: 45 to 85 
  • No medical exams required for coverage approval.
  • Fixed premiums that never increase over the life of the policy.

 

Get a Fast Quote 100% Online!


Policy AmountUp to $25k
Medical ExamNot required
#2
Our Partner
Best for high cash value accumulation
  • Age Eligibility: Up to 85 years old
  • Strong focus on investment-backed whole life policies.
  • Offers riders for added flexibility and financial security

Policy AmountVaries by policy
Medical ExamRequired
#3
Our Partner
Best for quick comparison of whole life options
  • Age Eligibility: Up to 85 years old
  • Allows easy comparison of policies from top-rated carriers
  • Access to licensed agents to guide you through the process

Policy AmountVaries by policy
Medical ExamVaries by policy
#4
Our Partner
Best for cost-effective, long-term coverage
  • Offers term and permanent life insurance through SelectQuote
  • Policyholders may covert a term life policy to a permanent one without a medical exam

Policy Amount$100k+
Medical ExamRequired

Best Overall
Our Partner
Best for guaranteed issue whole life insurance
  • Age Eligibility: 45 to 85 
  • No medical exams required for coverage approval.
  • Fixed premiums that never increase over the life of the policy.

 

Get a Fast Quote 100% Online!


Policy AmountUp to $25k
Medical ExamNot required