What Is Guaranteed Insurability?

Guaranteed Insurability is a right provided to an insured person within their life insurance policy.

Guaranteed Insurability guarantees the insured the option to purchase additional life insurance coverage without having to take a physical examination, or showing any other evidence of insurability.

Additional life insurance coverage may be purchased at a stated time in the future.

Some life insurance policies offer the opportunity to purchase additional guaranteed coverage on certain anniversary dates of the policy, such as, every fifth year of the policy up to a maximum age of 40 or 45.

In addition, the insured person may be able to purchase additional guaranteed coverage upon the birth of a child in the insured’s family.


Top Pick – United of Omaha
United of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $3,000 up to $25,000 of coverage. Rates start as low as $8.80 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. START HERE to get a FREE Quote.


Highly Recommended – Globe Life Insurance

$1* Buys $100,000 Globe Life Insurance

  • Coverage for Adults or Children

  • No Medical Exam. Just a Few Yes/No Health Questions

  • Free Information. No Phone Required. No Waiting

Buy Direct. Monthly Rates as low as $3.49 for Adults/$2.17 for Children.



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