Everyone is covered with GUARANTEED issue life insurance

Guaranteed issue life insurance

Guaranteed, yes GUARANTEED issue life insurance for foreign nationals. I know?! It almost sounds too good to be true, but it is. We are so happy to share with you that we have access to a carrier that will approve life insurance without any restrictions based on residency, country of origin or without requiring financial ties to the U.S. Did we catch your attention? If you would like to learn more, just keep reading below.

How does it work

What do you need to know

Do I need Social Security Number

What if I have been declined coverage before

How much does it cover

And… how much does it cost?

Before we dive into the topic, we wanted to mention that you can always reach out to us for more information. You can e-mail us at info@onestoplifeinsurance, give us a call at 855-795-LIFE(5433) or leave us a comment.


How does it work

We have access to a company that will provide  $25,000 or $50,000 death benefit WITHOUT underwriting. It is a guaranteed issue term policy. In other words, you could not be turned down for any reason and there will be no medical, lifestyle or residency questions.

The only requirement is to be between the ages of 18 and 75. That’s it!!

Once you apply, you will be issued a certificate of insurance. Below is an explanation of benefits.

available coverage for guaranteed issue policy
What do you need to know

  • This coverage is available only in the following states:

AL, AR, AZ, CA, DC, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MI, MO, MS, NC, ND, NE, NJ, NM, NV, OH, PA, TN, TX,  WV, WY.

  • There is one-time enrollment fee of $25 due during the initial enrollment
  • Coverage can start every 1st or 15th of the month and premiums drafts occur on the 20th of each month (for 1st effective dates) and the 5th of each month (for 15th effective dates).
  • You would be issued a certificate of insurance. The death benefit will be paid out to the beneficiary named in the enrollment form.
  • This is renewable term coverage. In other words, the premium will increase as you get older. Scroll down for pricing information.

Do I need Social Security Number

No. You do not need to have a social security number to get coverage. In fact, there are no residency or visa questions on the enrollment form. This is a great insurance option for foreign nationals. Please keep in mind that if you are undocumented immigrant, have been in the US for some time now and have a SSN or ITIN, you might qualify for additional coverage.


What if I have been declined coverage before

This is guaranteed issue life insurance coverage! There will be no health questions. If you have been denied life insurance coverage before, this is the plan for you.


How much does it cover

You can choose between 2 coverage limits $25,000 or $50,000. The process is fast and simple.


And… how much does it cost?

This product is very affordable. Below is a table with the rate based on your age group. As you will notice, there are no different prices based on gender, tobacco use or health ratings.

Age Band$10,000
Death Benefit
$20,000
Death Benefit
$30,000
Death Benefit
$40,000
Death Benefit
$50,000
Death Benefit
18 - 34$35.28 per month$36.96 per month$38.64 per month$40.32 per month$42.00 per month
35 - 44$37.59 per month$41.58 per month$45.57 per month$49.56 per month$53.55 per month
45 - 54$43.05 per month$52.50 per month$61.95 per month$71.40 per month$80.85 per month
55 - 64$58.35 per month$83.16 per month$107.94 per month$132.72 per month$157.50 per month
65 - 75$135.24 per month$236.88 per month$338.32 per month$440.16 per month$541.80 per month

**Please keep in mind that there will be one time $25 enrollment fee added to the initial payment. **

Last thing to consider ….

This plan also provides additional benefit and discounts on various services such as:

  1. Vision  and dental care
  2. Prescriptions
  3. Pet prescriptions
  4. 24/7 Nurse Help Line
  5. Physical therapy and rehabilitation
  6. Vitamins, supplements and etc

 

Bottom Line

This is an invaluable product for anyone who wants simple guaranteed issue life insurance coverage. There are no restrictions based on immigration status and or health history. The application process is very fast, click here to enroll. If you have additional questions, do not hesitate to reach out to us at 855-795-5344.