Guaranteed Issue Life Insurance | No Health Questions | Generis

GUARANTEED ISSUE + OTHER NO-EXAM OPTIONS

Guaranteed Issue Life Insurance

If health conditions have made life insurance difficult, you may still have options. Kirt Patel, Founder of Generis Organization, will compare multiple insurance companies to see whether you may qualify for day-one coverage first—and if Guaranteed Issue is the right fit, he'll explain exactly how it works.

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✓ No-Exam Options Available ✓ Day-One Coverage May Be Available ✓ Guaranteed Issue Available When Needed

Corebridge Financial Guaranteed Issue Whole Life, issued by American General Life Insurance Company, is available to eligible applicants ages 50–80. If you’re younger than 50 or older than 80, you can still request a review for other life insurance options.

Your request comes directly to Kirt — not a call center.

Why Families Trust Generis

5.0 ★★★★★ Google & Facebook Reviews
Work Directly With Kirt Patel
Licensed Advisor • Multiple A-Rated Carriers
Complimentary Review • No Obligation

Complimentary Coverage Review

See What Life Insurance Options Are Available For You

Tell Kirt how to reach you and he'll personally review what may be available. He'll check for stronger day-one coverage first and use Guaranteed Issue only when it makes sense.

You'll hear directly from Kirt Patel — not a call center or a group of agents. Your information is never sold.

🔒 Your information is private and never sold. Privacy Policy

Prefer another way to connect? Call Kirt, text Kirt, email Kirt, or schedule a consultation.

Not ready to talk yet? Keep scrolling to learn how Guaranteed Issue Life Insurance works, and when another type of coverage may be a better fit for you.

What Clients Say

Real Experiences. Personal Guidance.

Real reviews from clients across Google and Facebook.

★★★★★ 5.0 Client Reviews
★★★★★

“Kirt was not pushy at all... 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.”

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.

John W. · Louisiana Reviewed on Facebook
★★★★★

“He took his time and explained things and did not pressure me into buying anything.”

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.

Tonda K. · Indiana Reviewed on Facebook
★★★★★

“Kirtan took the time to explain all of my options clearly, without any pressure.”

Working with Kirtan Patel for my life insurance planning has been an exceptional experience. Financial planning can feel overwhelming, but Kirtan took the time to explain all of my options clearly, without any pressure. He helped me structure a plan that protects my family today while building a secure foundation for my retirement. His knowledge, patience, and professionalism gave me complete peace of mind. I highly recommend Kirtan to anyone looking for an honest, trustworthy advisor.

Paula C. Reviewed on Google

WORRIED ABOUT QUALIFYING?

Health problems do not necessarily mean you have to settle for Guaranteed Issue.

Health Conditions Don't Automatically Mean Guaranteed Issue

Diabetes, heart conditions, medications, past diagnoses, or a previous decline can make coverage harder to qualify for, but they do not automatically mean Guaranteed Issue is the only option.

Kirt Checks for Day-One Coverage First

Kirt works with multiple companies offering no-medical-exam and simplified-issue coverage and first checks whether stronger day-one coverage may be available.

Guaranteed Issue is a backup option—not Kirt's automatic recommendation. If stronger day-one coverage is available, Kirt will show you that first. If your health history makes those options unavailable, Corebridge Financial Guaranteed Issue Whole Life, issued by American General Life Insurance Company, can provide another path to permanent coverage for eligible applicants ages 50–80.

If you are younger than 50 or older than 80, you can still request a review. Other life insurance products may have different age limits and qualification requirements.

Request My Coverage Review →

THE BASICS

What Is Guaranteed Issue Life Insurance?

Guaranteed Issue Life Insurance is a type of permanent Whole Life insurance that does not use health questions or a medical exam to determine acceptance for eligible applicants.

The Guaranteed Issue option currently available through Generis is from Corebridge Financial and is issued by American General Life Insurance Company. It is designed for eligible applicants ages 50–80 and offers coverage amounts from $5,000 to $25,000.

This is one option Kirt can use when health history makes other coverage difficult. It is not automatically the first policy he recommends, because some people may still qualify for other no-exam or simplified-issue coverage with a full day-one death benefit.

Guaranteed Acceptance for Eligible Applicants

For the Corebridge Guaranteed Issue Whole Life product, eligible applicants ages 50–80 are not declined because of their health history.

No Medical Exam or Health Questions

No blood work, physical exam, or health questionnaire is required for acceptance.

Permanent Whole Life Coverage

The policy is designed to remain in force for life as long as required premiums are paid and the policy remains in good standing.

Guaranteed Level Premiums

Premiums are level and guaranteed not to increase during the life of the policy.

WHO IT MAY HELP

Guaranteed Issue may make sense if...

You have serious or multiple health conditions.

You have been declined for life insurance before.

You want permanent coverage without answering health questions.

You mainly want coverage for funeral costs, final bills, or money left to loved ones.

You are unsure whether you can qualify for a policy with day-one coverage.

You want a guaranteed-acceptance option available if stronger coverage is not a fit.

You may have better options than Guaranteed Issue. A health condition or previous decline does not automatically mean you need guaranteed-acceptance coverage. Kirt will first help determine whether another no-exam or simplified-issue policy may offer a full day-one death benefit, more coverage, or better value.

What if I’m under 50 or over 80?

You can still request a review. The Corebridge Financial Guaranteed Issue Whole Life product discussed on this page is designed for eligible applicants ages 50–80, but other life insurance products may have different age limits and qualification requirements.

COVERAGE OPTIONS

How Much Guaranteed Issue Coverage Can You Get?

The Corebridge Financial Guaranteed Issue Whole Life product, issued by American General Life Insurance Company, allows eligible applicants to choose a coverage amount from $5,000 up to $25,000, subject to product rules and availability.

You are not limited to only $5,000, $10,000, $15,000, $20,000, or $25,000. The coverage amount can be selected anywhere within the available range so it can be better matched to your needs and budget.

Can I get more than $25,000 of coverage?

Not through this specific Guaranteed Issue Whole Life product. The total amount of AGL Guaranteed Issue Whole Life coverage on one person cannot exceed $25,000 in aggregate.

If you need more coverage, Kirt can first review whether another no-exam or simplified-issue life insurance policy may offer a higher death benefit, day-one coverage, or better overall value for your situation.

Coverage Planning

How Much Final Expense Coverage Might You Need?

Estimate the expenses you want covered and learn which factors can affect Final Expense costs.

Explore Cost & Coverage →

Sample Pricing

See Sample Final Expense Insurance Rates

Compare sample Level and limited/graded premiums by age, sex, and coverage amount, plus Guaranteed Issue guidance.

View Sample Rates →
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UNDERSTAND THE FIRST TWO YEARS

Does Guaranteed Issue Life Insurance Have a Waiting Period?

The Corebridge Financial Guaranteed Issue Whole Life policy, issued by American General Life Insurance Company, has a two-year graded death benefit for non-accidental death.

That means the policy is active from the beginning, but the amount paid for a non-accidental death is limited during the first two policy years.

Non-Accidental Death — Years 1–2

The death benefit is 110% of premiums paid, subject to the terms of the policy.

Accidental Death — Years 1–2

Accidental death can receive the full face amount during the graded period, subject to the policy contract and claim requirements.

After the First Two Policy Years

The full applicable face amount is available for covered death according to the policy contract.

Suicide Exclusion

During the applicable suicide exclusion period, benefits are limited according to the policy terms.

This is why Kirt checks for day-one coverage first. If you may qualify for another no-exam or simplified-issue policy that provides the full death benefit from the first day, Kirt will compare that option before recommending Guaranteed Issue.

Can I get Guaranteed Issue Life Insurance with no waiting period?

The Corebridge Guaranteed Issue Whole Life product discussed on this page uses the two-year graded structure described above. If having the full death benefit available from day one is important to you, Kirt can first review whether another type of life insurance may be available.

Learn More

Understand Waiting Periods and Graded Benefits

See how immediate, graded, and limited-benefit policies can differ during the first policy years.

Read the Waiting Period Guide →
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BENEFITS WHILE LIVING

Does Guaranteed Issue Life Insurance Include Living Benefits?

Yes. The Corebridge Financial Guaranteed Issue Whole Life policy includes certain living benefits for qualifying chronic illness and terminal illness, subject to the policy and rider terms.

Chronic Illness Benefit

If you meet the policy’s qualifying chronic-illness definition, the rider can provide a benefit based on premiums paid, subject to the rider’s terms and limits.

Qualification may include being unable to perform at least 2 of the 6 Activities of Daily Living, or having a qualifying severe cognitive impairment.

Terminal Illness Benefit

If you meet the policy’s terminal-illness definition, the rider may allow you to access a portion of the death benefit while you are still living, subject to the policy terms.

Living benefits can reduce the amount ultimately paid to your beneficiaries and may have tax or public-benefit consequences. Product provisions and availability may vary by state. The policy and rider terms control.

COMPARE YOUR OPTIONS

Guaranteed Issue vs. Simplified Issue Life Insurance

Both options may avoid a traditional medical exam, but qualification and when the full death benefit begins can be very different.
Feature Guaranteed Issue Simplified Issue
Health questions None for this Corebridge Guaranteed Issue product Usually some health questions
Medical exam No Often no
Approval Guaranteed for eligible applicants Depends on health history and carrier guidelines
Day-one full death benefit No for non-accidental death during the first two policy years Often available if approved
Coverage amounts Generally smaller May allow higher coverage amounts
Pricing Designed for applicants who may have difficulty qualifying elsewhere May provide better value if you qualify
May be a better fit when... Health history makes stronger coverage difficult to obtain You can meet the carrier's health requirements
This is why Kirt does not automatically recommend Guaranteed Issue. He'll first help determine whether you may qualify for simplified-issue or another no-exam policy with a full day-one death benefit, more coverage, or better overall value.

If those options are not available because of your health history, Guaranteed Issue can still provide a valuable path to permanent life insurance.

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COMMONLY CONFUSED

Is Guaranteed Issue the Same as Final Expense Insurance?

Not exactly. Final Expense Insurance usually describes the purpose of the coverage — helping with funeral costs, burial expenses, final medical bills, debts, or money left to loved ones.

Guaranteed Issue describes how someone qualifies for the policy — without health questions being used to determine acceptance for eligible applicants.

A Guaranteed Issue Whole Life policy can be used for Final Expense needs, but not every Final Expense policy is Guaranteed Issue.

Explore Final Expense Insurance →

Is Guaranteed Issue Life Insurance Whole Life Insurance?

Yes. The Corebridge Financial product discussed on this page is Guaranteed Issue Whole Life insurance issued by American General Life Insurance Company.

It provides permanent coverage and level premiums, but it differs from many other Whole Life Insurance policies because it does not use health questions for acceptance and uses a two-year graded death-benefit structure for non-accidental death.

Explore Whole Life Insurance →

A PREVIOUS DECLINE ISN'T ALWAYS THE END

Can You Get Life Insurance After Being Declined?

Yes, sometimes. A previous decline does not necessarily mean you have reached the end of your life insurance options.

Different Companies, Different Guidelines

A decline from one carrier does not mean every carrier will make the same decision.

Other Coverage May Still Be Available

No-exam or simplified-issue products may evaluate health history differently.

Kirt Checks for Stronger Coverage First

If you may qualify for a no-exam or simplified-issue policy with a full day-one death benefit, more coverage, or better overall value, Kirt will show you that option first.

If those options are not available because of your health history, Guaranteed Issue can still provide another path to permanent life insurance.

Request My Coverage Review

THE GENERIS DIFFERENCE

Guaranteed Issue Is a Backup Option — Not Where Kirt Automatically Starts

Kirt Checks for Stronger Coverage First

Before recommending Guaranteed Issue, Kirt will help determine whether another no-exam or simplified-issue policy may offer a full day-one death benefit, more coverage, or better overall value.

Work Directly With Kirt

Your request comes directly to Kirt — not a call center or rotating group of agents.

Multiple Carrier Options

Kirt works with multiple life insurance companies and can compare different underwriting guidelines, benefits, coverage amounts, and premiums.

Clear Explanation Before You Decide

Kirt will explain the coverage, premium, graded-benefit structure, and any stronger alternatives that may be available before you choose.

No Pressure

The review is complimentary and there is no obligation to purchase a policy. Kirt's role is to help you understand your options.

WHAT HAPPENS NEXT

Simple. Personal. No Pressure.

1

Request Your Coverage Review

Send your contact information and Kirt will personally follow up to learn more about what you’re looking for.

2

Review Your Options With Kirt

Kirt will discuss your age, health, goals, budget, and coverage needs to help determine which insurance companies and policy options may fit your situation.

3

You Decide

Kirt will explain the coverage, premium, benefits, waiting periods if applicable, and available alternatives so you can make an informed decision with no obligation.

FREQUENTLY ASKED QUESTIONS

Guaranteed Issue Life Insurance FAQs

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 Financial Guaranteed Issue Whole Life product, issued by American General Life Insurance Company, allows eligible applicants to choose coverage from $5,000 up to $25,000, subject to product rules and availability. The total amount of AGL Guaranteed Issue Whole Life coverage on one person cannot exceed $25,000 in aggregate.

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 offer a full day-one death benefit, more coverage, or better overall value. That is why Kirt compares stronger options before recommending Guaranteed Issue.

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 specific AGL Guaranteed Issue Whole Life product. If you need more than $25,000, Kirt can help review whether another no-exam or simplified-issue life insurance policy may offer a higher death benefit or stronger overall value.

You can still request a coverage review. The Corebridge Financial Guaranteed Issue Whole Life product discussed on this page is designed for eligible applicants ages 50–80, but other life insurance products may have different age limits and qualification requirements.

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.

Kirt Patel, Independent Insurance Advisor

Meet Your Advisor

Hi, I'm Kirt Patel.

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

Corebridge Financial
Transamerica
American Amicable
F&G

Credentials

Personally Licensed Across 9 States

Every license below can be viewed in full because transparency matters. These are the nine states where Kirt is 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.

Florida License
Florida
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Texas License
Texas
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Louisiana License
Louisiana
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Massachusetts License
Massachusetts
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Indiana License
Indiana
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Ohio License
Ohio
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Michigan License
Michigan
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Washington License
Washington
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Alaska License
Alaska
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Don't see your state?

You're still welcome to request a review. If Kirt is not personally licensed where you live, Generis Organization may be able to connect you with a trusted licensed advisor who is.

Complimentary Coverage Review

See What Life Insurance Options May Be Available

Step 1 of 9

What best describes why you’re looking for coverage?

Step 2 of 9

What is your age range?

Step 3 of 9

What state do you live in?

Step 4 of 9

About how much coverage are you looking for?

Step 5 of 9

Have you had difficulty getting life insurance before?

Step 6 of 9

How would you describe your health overall?

Step 7 of 9

What would you most like the coverage to help with?

Step 8 of 9

Who are you mainly hoping to protect?

Step 9 of 9

Where should Kirt send your review?

🔒 Your information is private and never sold. See our Privacy Policy.

Prefer to talk? Call Kirt at (469) 436-3768, schedule a consultation, or use the contact page.

Request My Coverage Review

Complimentary review • No obligation