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Whole Life Insurance
Final Expense Options
Standard Level Coverage is a traditional whole life insurance policy that provides permanent protection with fixed premiums and a guaranteed death benefit. Applicants typically answer health questions and may complete underwriting. Because eligibility is based on health, these policies often offer higher coverage amounts and lower premiums compared to guaranteed issue options.
Standard Level Coverage
Guaranteed Issue Level Coverage is a whole life policy designed for individuals who may have serious health conditions or difficulty qualifying for traditional coverage. Acceptance is guaranteed with no medical questions or exams, as long as age requirements are met. These policies usually offer lower coverage limits and higher premiums, but provide an option for people who might otherwise be unable to obtain life insurance.
Guaranteed Issue (GI) Level Coverage
