NO HEALTH QUESTIONS • AGES 50–80
Life insurance for ages 50–80 with no medical exam or health questions required. If health conditions or a previous decline have made coverage difficult, Guaranteed Issue may be an option — and I’ll also help determine whether you may qualify for stronger day-one coverage.
See What I May Qualify ForYour request comes directly to me, Kirt Patel — not a call center.
Why Families Trust Generis
Complimentary Coverage Review
Tell me a little about your situation and I’ll personally review what may be available. If Guaranteed Issue makes sense, I’ll explain it clearly. If another policy may give you stronger day-one coverage, I’ll show you that option too.
Kind Words From the Families I've Helped
Real reviews from real clients across Google and Facebook. Every family below trusted me to help protect what matters most.
One day I get a call planned on not answering the call figured it was another sales call trying to get me to buy health insurance life insurance etc. but glad I did. Kirt was not pushy at all. Especially knowing that I was with another company that was not caring at all but just wanted my money. He helped me get a policy that I could afford for my wife and I enough to bury us and not cost the kids or grandkids any worries. He and I worked together for a few months. He did not push me into buying anything till I was ready. Thanks Kirt for relieving my worries getting me a policy at my age when I’m very close to retirement and would lose my company policies. I feel a heavy weight off my shoulders. Spread the news there is a great agent in town and he wants to help get you the best policy that fits your needs and wallet. Kirt wish you could help me buy home owners insurance I know you would get me a better policy for a better price. Thanks Kirt you’re the best!!!
This Young Man has been nothing but attentive to me making sure I understand exactly what I should expect from the insurance I am signing up for... GREAT DISPOSITION... Anybody should be honored to have a insurance person as giving as Kirt...
Mr Kirt Patel treated me with kindness and got me the best deal he could on my life insurance. I am forever grateful because I don’t know a lot on this subject. He took his time and explained things and did not pressure me into buying anything. I believe that is one of the things I liked about him. I do not like being pressured. Thank you again Mr Patel.
For anyone that is considering getting life insurance, Kirt Patel is definitely the guy you want to do business with. I really just didn't want to think about dying. However, death is inevitable. I am on a very limited income and wasn't even sure I could afford enough coverage to get myself buried. I didn't want my family members having to deal with that when I passed. Kirt found a policy that I can afford and that will cover my burial costs. And made me smile and even laugh while doing it! I highly recommend giving Kirt Patel a call.
WORRIED ABOUT QUALIFYING?
Serious health conditions, medications, past diagnoses, or a previous decline can make traditional life insurance harder to qualify for. That does not necessarily mean you are out of options.
Guaranteed Issue Life Insurance is designed for eligible applicants who want permanent life insurance without answering health questions. For the Corebridge Guaranteed Issue Whole Life option currently available through Generis, applicants ages 50–80 cannot be declined for health reasons.
THE BASICS
Guaranteed Issue Life Insurance is permanent life insurance designed for people who want coverage without a medical exam or health questions. Unlike traditionally underwritten coverage, acceptance is not based on your health history when you meet the product’s eligibility requirements.
For the Corebridge Guaranteed Issue Whole Life product currently available through Generis, eligible applicants are ages 50–80 and coverage amounts range from $5,000 to $25,000.
Applicants ages 50–80 cannot be turned down because of health conditions under the Corebridge GIWL eligibility rules.
No blood work, physical exam, or health questionnaire is required for acceptance.
The policy is designed to remain in force for life as long as required premiums are paid and the policy remains in good standing.
Premiums are level and guaranteed not to increase during the life of the policy.
WHO IT MAY HELP
You have serious or multiple health conditions.
You have been declined for life insurance before.
You want coverage without answering health questions.
You are between ages 50 and 80 and want a smaller permanent policy.
You mainly want money available for funeral costs, final bills, or other family needs.
You are unsure what type of life insurance you can still qualify for.
COVERAGE OPTIONS
The Corebridge Guaranteed Issue Whole Life product available through Generis offers $5,000, $10,000, $15,000, $20,000, or $25,000 of coverage. The total amount of AGL Guaranteed Issue Whole Life Insurance on one person cannot exceed $25,000 in aggregate.
Guaranteed Issue policies commonly have lower coverage limits than traditionally underwritten policies. If you need significantly more than $25,000, the better question may be whether you can qualify for another type of life insurance. I can help review those alternatives. You can also learn more about coverage amounts and costs.
UNDERSTAND THE FIRST TWO YEARS
The Corebridge Guaranteed Issue Whole Life policy uses a limited or graded death benefit during the first two policy years for non-accidental death. This is important to understand before buying the policy.
The death benefit is 110% of premiums paid, subject to policy terms.
Corebridge’s current consumer material states that accidental death receives the full face amount, subject to the policy contract and claim requirements.
The full applicable face amount is available for covered death according to the policy contract.
During the applicable suicide exclusion period, the benefit is limited to a refund of premiums, subject to policy terms.
The Corebridge GIWL product described on this page has a two-year graded period for non-accidental death. If immediate full coverage is important to you, I can first check whether you may qualify for simplified-issue or another life insurance policy with day-one coverage. Read the educational guide to waiting periods and graded benefits.
BENEFITS WHILE LIVING
Yes. Corebridge Guaranteed Issue Whole Life includes living benefits for qualifying chronic illness and terminal illness at no additional cost. These are specific benefits with policy definitions and should not be described as a broad critical-illness package.
If the insured meets the policy’s qualifying chronic-illness definition, the benefit returns premiums paid, subject to rider terms and limits. Corebridge describes qualification as including inability to perform at least 2 of the 6 Activities of Daily Living or a qualifying severe cognitive impairment such as Alzheimer’s disease or dementia. The six ADLs are bathing, continence, dressing, eating, toileting, and transferring.
If a physician certifies a qualifying terminal illness or physical condition reasonably expected to result in death within 24 months, the rider can provide 50% of the applicable death benefit at the time of acceleration, subject to policy terms.
COMPARE YOUR OPTIONS
| Feature | Guaranteed Issue | Simplified Issue |
|---|---|---|
| Health questions | None for this GIWL product | Usually some |
| Medical exam | No | Often no |
| Approval | Guaranteed for eligible applicants | Depends on health and carrier rules |
| Coverage amounts | Usually smaller | Often higher |
| Full day-one natural-death benefit | Not on this GIWL product | Often available if approved |
| Best fit | People who cannot qualify for stronger options | People who can meet health requirements |
Bottom line: If you can qualify for simplified-issue coverage, it may provide stronger day-one benefits, more coverage, or better value. That is why I compare what you may qualify for before recommending Guaranteed Issue.
COMMONLY CONFUSED
Not exactly. Final Expense Insurance describes what the coverage is often intended to help pay for — funeral expenses, burial costs, final medical bills, debts, and other end-of-life needs. Guaranteed Issue describes how a person qualifies for the policy — without health questions determining acceptance.
A Guaranteed Issue Whole Life policy is often used for Final Expense needs, but not every Final Expense policy is Guaranteed Issue.
Yes. The Corebridge product discussed here is Guaranteed Issue Whole Life insurance. It provides permanent coverage and level premiums, but its qualification rules, smaller face amounts, and two-year graded death-benefit structure distinguish it from many other Whole Life Insurance policies.
A PREVIOUS DECLINE ISN'T ALWAYS THE END
A previous decline does not mean every carrier or every type of policy will decline you. Insurance companies evaluate health conditions differently, and different products use different underwriting approaches.
If day-one simplified-issue coverage is not available, Guaranteed Issue may provide another path to permanent life insurance.
See What I May Qualify ForThe beneficiary can generally use life insurance proceeds based on the family’s needs, subject to applicable law and policy terms.
Help with services and related expenses.
Help address outstanding care expenses.
Help reduce balances left behind.
Help with day-to-day family needs.
Provide funds for the people you name.
Use proceeds according to the family’s needs.
THE GENERIS DIFFERENCE
Before recommending Guaranteed Issue, I’ll help determine whether another policy may offer day-one coverage, a higher benefit, or better value.
Your request comes directly to me. No call center and no rotating group of agents.
You should understand exactly what happens during the first two policy years before choosing the policy.
I compare the life insurance options available for your situation and explain which path appears to make the most sense.
A complimentary review is for understanding your options. You decide whether to move forward.
WHAT HAPPENS NEXT
Share a few details about your age, state, coverage goal, and what has made qualifying difficult.
I’ll help determine whether Guaranteed Issue appears necessary or whether another type of coverage may provide stronger benefits.
I’ll explain the premium, coverage amount, graded-benefit structure, and alternatives so you can make an informed decision with no obligation.
FREQUENTLY ASKED QUESTIONS
Guaranteed Issue Life Insurance is permanent life insurance that does not use health questions to determine acceptance for eligible applicants. The Corebridge Guaranteed Issue Whole Life option currently available through Generis is designed for ages 50–80 and offers $5,000 to $25,000 of coverage.
For eligible applicants ages 50–80 under the Corebridge GIWL product, health conditions do not determine acceptance. Product eligibility, forms, and availability can vary by state.
No. The Corebridge Guaranteed Issue Whole Life product does not require a medical exam or health questionnaire.
The Corebridge GIWL product currently available through Generis offers $5,000 to $25,000 of coverage. The total amount of AGL GIWL coverage on one person cannot exceed $25,000.
The Corebridge GIWL policy uses a two-year graded death benefit for non-accidental death. During the first two policy years, the non-accidental death benefit is 110% of premiums paid. After that period, the full applicable face amount is available for covered death according to policy terms.
Corebridge’s current consumer materials state that accidental death during the graded period receives the full face amount, subject to the policy contract and claim requirements.
Yes. Corebridge GIWL includes qualifying chronic-illness and terminal-illness living benefits. Chronic illness can return premiums paid under the rider terms, and terminal illness can provide 50% of the applicable death benefit at acceleration. Definitions, limitations, and state availability apply.
No. Final Expense generally describes the purpose of the coverage, while Guaranteed Issue describes the qualification method. Guaranteed Issue Whole Life is often used for funeral and end-of-life expenses, but not every Final Expense policy is Guaranteed Issue.
Not automatically. If you can qualify for simplified-issue coverage, it may provide day-one full coverage, a larger benefit, or better value. Kirt can help compare what may be available before you choose.
The Corebridge GIWL product discussed on this page has a two-year graded period for non-accidental death. If immediate full coverage is important, Kirt can first check whether another type of policy may be available.
Not through this AGL Guaranteed Issue Whole Life product, which has a $25,000 aggregate limit. If you need more coverage, Kirt can help determine whether another type of life insurance may be available.
No. The review is an opportunity to understand what may be available and compare options. There is no obligation to purchase a policy.
Product availability, policy forms, features, rider provisions, and benefits may vary by state. Policy terms control.
Meet Your Advisor
Independent Insurance Advisor • Personally Licensed in 9 States
Choosing life insurance is a personal decision, and I believe it should start with a conversation—not a sales pitch. My job is to help you understand your options, answer your questions honestly, and find coverage that fits your needs and budget.
Because I'm an independent advisor and broker, I work with multiple highly rated insurance companies instead of representing just one. That allows me to compare policies, pricing, and underwriting guidelines to help find the best fit for your unique situation.
Whether you're looking to protect your family from funeral expenses, leave behind financial security, or simply understand what's available, your request comes directly to me. I'll personally review it, speak with you first, and stay involved so you know what to expect throughout the process. No call centers. No pressure. Just personalized guidance every step of the way.
Life Insurance Companies Generis Works With
Credentials
Every license below can be viewed in full because I believe transparency builds trust. These are the nine states where I am personally licensed. If you live elsewhere, you are still welcome to request help, and Generis Organization may be able to connect you with a trusted advisor licensed in your state.
You're still welcome to request a review. If I'm not personally licensed where you live, Generis Organization may be able to connect you with a trusted licensed advisor who is.
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Complimentary review • No obligation