Final Expense Insurance · New York

Guaranteed Issue Life Insurance in New York

Guaranteed issue life insurance appeals to seniors in New York living with serious health conditions, because acceptance is based mainly on age rather than medical history. Seniors across New York, a state that runs from New York City to the Great Lakes, with plenty of small towns in between, tend to want the same thing from guaranteed issue life insurance: a benefit that fits real costs and a premium that fits a monthly budget. Accidental death is often covered at the full benefit from the start, though the details vary by policy. In smaller towns the nearest funeral home or family cemetery may be a drive away, and travel for relatives adds up, so leave some room for that in the guaranteed issue life insurance benefit. Most guaranteed issue policies use a graded benefit, so if death from natural causes occurs in the first two or three years, the beneficiary typically receives a return of premiums paid, often with interest, rather than the full benefit. Applicants in New York managing conditions such as cancer treatment, kidney disease, or a recent heart event may find guaranteed issue the most realistic path. We help people across New York compare guaranteed issue life insurance over the phone, and you are free to decide later.

Call now to speak with a licensed insurance agent. Free, no-obligation review.

• Apply by phone from New York without a medical exam or health questions.
• Find out which carriers offer guaranteed issue life insurance to New York residents.
• Decide whether guaranteed issue life insurance or a different type of final expense insurance makes more sense for you.