Guaranteed Issue Life Insurance

Ever thought to yourself I want to secure some Life Insurance to spare my family the emotional burden of having to deal with my final expenses. Perhaps you thought to yourself I can't qualify for insurance due to my diabetes, due to my heart condition, due to cancer treatments, the list goes on and on so you dismiss the thought which leaves you feeling frustrated and even depressed! Strange how thoughts and feelings dictate our moods.

The truth of the matter is YOU CAN QUALIFY FOR LIFE INSURANCE . Despite any of those conditions. Now some of you reading this may already know this so for those that do, I hope you have passed the information along to someone that didn't know and who perhaps needed to know. Better yet if it is you who has had any of the conditions or a combination of all, hopefully you have utilized your own knowledge for your self.

Ok so here is the great news, again this is for the folks that didn't know and need to know. Guaranteed Issue Life Insurance is a small life insurance policy with face amounts ranging from $1000 to $25,000 dollars worth of insurance paid to the insured's beneficiaries.

Most if not all GIL'S (Guaranteed issue life policies) will not pay during the first two to three years of the policy years that it's enforced, but it does return all premiums plus 10% interest if the insured dies during this period.

Lastly these policy were designed specifically for people with serious health conditions and that are in poor health. One thing to also mention is just because you have been diagnosed with Heart Disease, Diabetes or Cancer, that does not mean you have to obtain a Guaranteed Issue policy it depends on the severity of the condition and how long you've had the condition etc. you may qualify for a regular policy it would just be rated.

Premiums in comparison to other life policies are slightly higher due to the individuals health issues, however there are very few health questions on the application if any and guess what you're guaranteed coverage. Most if not all insurance professionals will be able to assist you with a comfortable premium that will fit into the budget and help with providing hopefully a little peace of mind in the process.

That's it for now. We at ETM Insurance Solutions take pride in educating our clients and prospective clients so they can make good sound decisions and to let them know our agency is here for them. Until next time stay healthy.

Valerie L Tippitt

ETM Insurance Solutions

779-771-2708