Top Guaranteed Issue Life Insurance Carriers for Agents in 2025

November 6, 2025 4:15:11 PM

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Guaranteed Issue Life Insurance: The Product Every Agent Should Have

In final expense sales, there are times when your client just can’t qualify for traditional life insurance. Maybe they’ve battled COPD, heart issues, diabetes, or other serious health conditions.

That’s when having a Guaranteed Issue (GI) Life Insurance product in your portfolio becomes essential.

At Final Expense Brokerage (FEB), we connect independent agents with the top Guaranteed Issue life insurance carriers in the industry—so no matter the client’s health, you have a reliable solution ready to go.

What Is Guaranteed Issue Life Insurance?

Guaranteed Issue life insurance is designed for clients who can’t qualify for traditional or simplified coverage. These policies require no health questions or medical exams, and approval is guaranteed within each carrier’s eligible age range.

While features differ, most Guaranteed Issue products:

• Cover ages 50–85 (some start as low as 0)

• Offer modest coverage amounts, generally between $1,000–$30,000

• Include a modified death benefit for non-accidental deaths during the first two years

• Provide accidental death benefits that may vary by carrier

This product gives agents a reliable solution for clients who would otherwise be uninsurable—ensuring every family has access to essential protection.

The Top Guaranteed Issue Carriers Available Through Final Expense Brokerage

Here are the four carriers FEB recommends for agents who want flexibility, strong ratings, and simple underwriting.

1. Gerber Life – Our Lowest-Priced Guaranteed Issue Option

• A.M. Best Rating: A+ (Superior)

• Ages: 50–80

• Face Amounts: $5,000–$25,000

• Benefit: 110% return of premium if death occurs in the first 2 years; full benefit for accidental death immediately

• Why agents choose it:
  Gerber consistently offers the lowest premiums among all guaranteed issue products we carry. It’s a trusted household name that clients recognize and feel comfortable with—making the close even easier.

2. CICA Life – Broadest Age Range (0–85)

• A.M. Best Rating: B++ (Good)

• Ages: 0–85

• Face Amounts:

  • Ages 0–70: $1,000–$30,000

  • Ages 71–85: $1,000–$10,000

• Benefit: 110% of premiums returned if death occurs in the first 2 years; 100% for accidental death in all years

• Why agents choose it:
  CICA’s flexible age range makes it one of the only carriers covering both children and seniors with guaranteed issue coverage. No medical exams, no MIB checks, no height/weight questions—just simple, straightforward coverage.

3. Corebridge (AIG) – Highly Rated & Widely Recognized

• A.M. Best Rating: A (Excellent)

• Ages: 50–80

• Face Amounts: $5,000–$25,000

• Benefit: 110% return of premium in the first 2 years; full accidental death coverage from day one

• Why agents choose it:
  Corebridge (formerly AIG) combines a strong brand reputation with a clean, user-friendly eApp and competitive rates. It’s a go-to for agents who need a reliable GI option with national recognition.

4. Royal Neighbors of America – Great for Smaller Policies

• A.M. Best Rating: A- (Excellent)

• Ages: 50–80

• Face Amounts: $3,000–$10,000

• Benefit: 110% of earned premiums returned in years 1–2, full benefits beginning year 3; accidental death coverage in all years

• Why agents choose it:
  Royal Neighbors offers competitive smaller face amounts, ideal for final expense coverage, and has one of the most supportive fraternal structures in the industry. It’s perfect for clients who value community-driven organizations.

When Should Agents Use a Guaranteed Issue Product?

GI life insurance isn’t your first stop—it’s your safety net. Use it when:

• A client has been declined by other carriers

• They have severe health conditions (COPD, heart failure, cancer, etc.)

• They need smaller coverage amounts to cover final expenses

• They prefer no medical exams or phone interviews

When traditional underwriting fails, GI products protect both the client’s dignity and the agent’s sale.

Why Agents Choose Final Expense Brokerage

At Final Expense Brokerage, we go beyond carrier access. We help independent agents learn, grow, and sell smarter through:

• Direct access to top Guaranteed Issue carriers

• Marketing kits and product training to help you close confidently

• Lead co-op credits ($100–$200 toward leads with $1,500 issued premium)

• Personalized agent support for contracting, underwriting, and case management

We’re more than an IMO—we’re your partner in growth.