BEST Guaranteed Issue Whole Life Insurance for Seniors over 70 in North Carolina
Get Approved Today — No Health Questions, No Medical Exam
If you’re 50–80 years old and want life insurance approved today, this Guaranteed Issue Whole Life policy in North Carolina was built for you.
No medical exams.
No health questions.
No waiting for underwriting.
If you qualify by age and residency, you’re approved.
What You Get (North Carolina Guaranteed Issue Plan)
Ages: 50–80
Coverage Amounts: $5,000 – $25,000
True Guaranteed Issue – not one health question
Permanent coverage (never expires)
Level premiums (never increase)
Carrier rated A (Excellent) by A.M. Best
Available in North Carolina
Issued fast
This is designed for people who want certainty, not maybes.
How the Death Benefit Pays (No Fine Print)
✅ Accidental Death — Immediate Full Benefit
If death occurs due to an accident, your beneficiary receives 100% of the death benefit immediately, even on day one.
⏳ First 2 Years (Death Due to Sickness)
If death occurs during the first two policy years due to illness, the policy pays:
110% of all premiums paid to date
✅ After 2 Years — Full Coverage
After two full policy years, 100% of the death benefit is paid for any cause of death.
Want Full Benefits Immediately? (If You Qualify)
Some North Carolina applicants may qualify for an Immediate Death Benefit Plan:
Coverage: $5,000 – $35,000
Immediate full death benefit from day one
Critical, chronic & terminal illness riders available in most states
We’ll quickly check both options and show you which one gets you the most protection fastest.
This Plan Is Ideal If You:
Have been declined before
Have health conditions and want guaranteed approval
Want final expense or burial coverage
Don’t want exams, labs, or phone interviews
Want coverage in place now
Why People Buy This Policy Today
✔ Guaranteed acceptance
✔ No delays or underwriting surprises
✔ Permanent protection for loved ones
✔ Simple, clear benefits
✔ Backed by a financially strong carrier
If your goal is “get covered now”, this policy does exactly that.
Get Approved for Guaranteed Issue Whole Life in North Carolina — Today
If you’re ready to buy, we’ll confirm eligibility, compare Guaranteed Issue vs. Immediate Death Benefit options, and help you secure coverage fast.
Licensed guidance • No call centers • Serving clients across North Carolina