Guaranteed Issue Life Insurance in North Carolina
100% Approval. No Medical Exam, No Health Questions. The simple, guaranteed way to secure lifelong protection when other options aren't available.
COVERAGE THAT CAN'T SAY NO
The Lifeline for Hard-to-Insure Individuals
- NC residents denied traditional insurance
- Those with health conditions (approval guaranteed)
- Families wanting to avoid crowdfunding funerals
- Anyone wanting to avoid med exams
Real-World NC Example
After being denied traditional insurance due to his health history, my 72-year-old father in the Triad was approved for a $15,000 Guaranteed Issue policy in minutes. Knowing his funeral is taken care of is a huge relief for our entire family.
Preferred Guarantee Issue Carriers
We partner with the nation’s leading A-rated insurance companies known for their financial stability, simple approval process, and excellent service for NC residents.
The Guaranteed Issue Promise
Guaranteed ApprovalYour acceptance is guaranteed if you meet the age requirements. There are no medical exams and no health questions to answer. | |
Lifelong ProtectionThis is a permanent whole life policy. As long as you pay your premiums, your coverage will never decrease or expire. | |
Peace of MindProvides a dedicated cash benefit (typically $5k - $25k) to your family to cover funeral costs and other final expenses. |
A Simple Plan When Other Doors Close
For many North Carolina seniors, getting life insurance can feel like an impossible challenge. A Guaranteed Issue policy is designed specifically to solve this problem. It is your absolute assurance of coverage, providing a simple path to protection without medical exams or health questions.
By securing a policy, you create a dedicated, tax-free fund to cover final expenses. This allows your loved ones to handle necessary arrangements with dignity, without worrying about money during a difficult time. It’s the ultimate gift of peace of mind, for them and for you.
Get Guaranteed Coverage in 3 Simple Steps
We designed our process to be quick, clear, and stress-free, so you can get peace of mind without the hassle.
See Your Rates
Use our simple tool to get an instant, no-obligation quote. You'll answer a few basic questions, and we'll show you the most affordable rates from top NC carriers.
Simple Application
Our application is straightforward and can be completed online or over the phone in minutes. There are no medical exams to schedule.
Instant Decision & Coverage
Because there's no medical exam, many applicants receive an approval decision instantly or within 24-48 hours. Your coverage starts right away, and your rate is locked in for life.
Guarantee Issue Life Insurance in North Carolina: Your Questions Answered
Is this better than pre-paying a funeral home?
Yes! Unlike pre-payment plans, your family controls the funds and isn’t tied to one provider. [Source: FTC Funeral Rule]
Who qualifies for guaranteed issue life insurance in North Carolina?
All NC residents aged 50-85 qualify—regardless of health conditions like diabetes, cancer, or heart disease. Unlike traditional policies, no medical exams or health questions are required.
How fast can I get covered or approved?
Our fastest North Carolina approvals:
| Policy Type | Avg. Approval Time |
|---|---|
| Final Expense | Same day (by 5PM) |
| Term Life | 1-3 business days |
| Guaranteed Issue | Immediate coverage* |
*First payment required
Can I be denied coverage or have my rates increased?
No denials and no rate hikes. Your approval and premium are guaranteed as long as you pay premiums. Even if your health declines, your policy stays the same.
Don’t Leave Your Family with a Financial Burden
Secure Your Rate
Lock in your affordable, fixed premium today. A simple plan now provides a lifetime of peace of mind for you and your family.
Explore Other Options
Final Expense is a fantastic choice for covering end-of-life costs, but it’s not the only one. Compare it against other policies to ensure you’ve found the perfect fit.