Guaranteed Issue Whole Life

Guaranteed Issue Whole Life is a simple, affordable, benefit-packed product that will help you serve more clients in the final expense market. Older clients can be especially sensitive about burdening their loved ones with after-death expenses. In addition to funeral expenses, there can be unpaid medical bills, credit card, and loan balances, not to mention ongoing household expenses.

Guaranteed Issue Whole Life (GIWL) is designed to provide these clients with comfort and

peace of mind for just a few dollars a day. Plus, it includes benefits typically available only in more
expensive policies. Best of all, acceptance is guaranteed. From application to policy issue, the process

is simple, short, and pain-free!

Guaranteed issue permanent protection
• No health questions to answer
• No medical tests
• Guaranteed acceptance ages 50 to 80
• Face amounts from $5,000 to $25,000 available
• Required premium payments stop at or before age 90


Unique GIWL Technology Platform Designed to enable a simple, straight-through electronic sales
and application process for use in the field.
• Easy to use, responsive design – works on tablet and mobile devices
• Includes all forms, disclosures, etc. needed at the point of sale
• Validates all client and payment information is correctly completed – no incomplete payments or applications
• Presents policy number instantly upon submission

GIWL provides a highly competitive, affordable solution – plus the advantage of built-in living benefits.

There are no health questions or tests. Acceptance is guaranteed. And the abbreviated application can be completed in 15 minutes or less.  "What could be simpler?"

Click on the images below to view information

Producer Guide

GIWL Producer Guide.JPG

Consumer Brochure