Both Guaranteed Issue Life Insurance and Simplified Issue Life Insurance are usually considered by individuals who are between 45-85 years old and have health issues that make getting life insurance challenging. Always get a quote on life insurance. It costs nothing and can only inform you on making your decision. One good strategy would be to apply for Simplified Issue, since it is usually less expensive. Then, if you are denied then buy Guaranteed Issue. I suggest talking to a person on the phone or even in person when discussing any insurance policy you are considering. Life insurance policies can be very confusing and it will be easier to discuss the policy in person than through email. That way you get all of your questions answered and you understand all the terms before you sign on the dotted line and start paying the premium.
If you have any questions about Guaranteed Issue or Simplified Issue Life Insurance, feel free to ask below in our comment section. We'll do our best to help you better understand your options and which might be best for you.
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Sources: Frankle, Neil. "How To Save Big on Guaranteed Issue Life Insurance" MCMHA.org; Frankle, Neil. "Should You Buy Guaranteed Issue Life Insurance - A Surprising Answer" WealthPilgrim.com; "The Basics of Guaranteed Issue Life Insurance" Insure.com; Dudayev, Mack. "Guaranteed Issue Life Insurance aka No Questions Asked" Insurechance.com.