Whole Life Insurance Policy with major illness coverage is a type of life insurance policy that combines features of guaranteed acceptance life insurance with coverage for major illnesses. This type of policy is designed to provide financial protection to individuals who may have difficulty obtaining traditional life insurance due to their health status, and it also includes a component that pays out in the event of a diagnosed major illness.

If you have major illnesses and you are seeking life insurance coverage. Fill out our Contact Form to request life insurance coverage if need a Life Insurance Policy with NO Health Questions and NO Medical Exam.

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Here are the key features of a Guaranteed Acceptance Whole Life Insurance Policy with major illness coverage:

  1. Guaranteed Acceptance: This type of policy typically guarantees acceptance regardless of the applicant’s health history or current medical condition. There are usually no medical exams or health questions required for approval.

  2. Whole Life Insurance: It is a type of permanent life insurance that provides coverage for the entire lifetime of the insured person, as long as the premiums are paid. It also builds cash value over time, which can be borrowed against or used in other ways.

  3. Coverage for Major Illnesses: In addition to the death benefit provided by the life insurance component, this policy includes coverage for major illnesses. If the insured person is diagnosed with a covered critical illness during the policy term, a lump-sum payment is made to the policyholder.

  4. List of Covered Illnesses: The policy will specify a list of critical illnesses that are covered. Common examples include heart attack, stroke, cancer, organ transplant, and major surgeries. It’s important to review this list and understand the definitions of covered illnesses.

  5. Premiums: Guaranteed Acceptance Whole Life Insurance policies with major illness coverage often have higher premiums compared to traditional life insurance policies due to the guaranteed acceptance and additional coverage features.

  6. Waiting Period: Some policies may have a waiting period before the critical illness coverage becomes effective. This waiting period varies but typically ranges from one to two years. During this time, if the insured person is diagnosed with a covered critical illness, the policy might not pay the full benefit or any benefit at all.

  7. Usage of Payout: The lump-sum payment received upon diagnosis of a covered critical illness can be used to cover medical expenses, treatment costs, ongoing care, lifestyle adjustments, or any other financial needs that arise due to the illness.

  8. No Medical Questions: As mentioned earlier, one of the main features of guaranteed acceptance policies is that they don’t require the applicant to answer detailed health-related questions or undergo a medical exam. This simplifies the application process.

It’s important to carefully review the policy documents, terms, and conditions before purchasing any insurance policy, including a Guaranteed Acceptance Whole Life Insurance Policy with major illness coverage. Consider discussing your options with an insurance professional or financial advisor to ensure that the policy aligns with your needs and financial goals.

You Get Life Insurance Coverage With No Health Questions

Benefits of Guaranteed Acceptance Whole Life Insurance Policy

  • Your policy last your whole life
  • You policy face value never decrease
  • Your whole life policy builds cash value
  • Permanent Life Insurance
  • Your monthly premium (payments) will never increase
  • No physical exams or health questions to qualify
  • Pays your beneficiary as long as premiums have been paid
  • Policy cannot be revoked by the insurance company
  • Graded Acceptance for ages 40-80
  • Level Premiums – Payments does Not increase
  • Benefits that are never reduced because of your age or health

Even if you have been denied by other life insurance companies we can get you a Whole Life Insurance Policy with No Health Questions or Medical Exam.  Even if you have major illnesses such as:

Alzheimers, Aneurysm, Atrial Fibrillation, Bipolar disorder, Heart Bypass, Cancer, Cardiomyopathy, Cerebral palsy, COPD, Congestive Heart Failure, Coronary Artery Disease, Cystic Fibrosis, Defibrillator, Dementia, Diabetes, Dialysis, Emphysema, Heart Attack, Heart Disease,  Hepatitis C, High Blood Pressure or hypertension,  Leukemia, Liver Disease, Lupus, Multiple Sclerosis, Organ Transplant, Pacemaker,Pancreatitis, Parkinsons Disease, Renal Failure, Sleep Apnea, Stroke, Transient Ischemic Attack, and Any Other Illness

Depending on your condition and the insurance company’s underwriting guideline your may qualify for a:

To qualify for Guaranteed Acceptance Whole Life Insurance Policy there is NO Health Questions OR Medical Exam. You cannot be denied coverage as there are NO HEALTH QUESTIONS or Physical Exam To Qualify. Your coverage will Last your whole with no increase in premium. Our A+ Rated life insurance carriers will provide you with low cost Guaranteed Acceptance Whole Life Insurance Policy. Fill out our Contact Form to request a quote on a Guaranteed Acceptance Whole Life Insurance policy that’s just right for you. Get Quick Approval and your certification of coverage within a few days.

Get a Guaranteed Issue Whole Life Insurance Policy
Qualifying Age 50 to 85

No Medical Exam Required. 

Call 678-468-5163 to speak with a SeniorCareLife Licensed Agent.

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