Guaranteed Issue Whole Life Insurance in North Carolina (Seniors Ages 50–80)

Guaranteed Issue Whole Life Insurance in North Carolina (Seniors Ages 50–80)

No Health Questions. No Medical Exam. Guaranteed Approval.

If you live in North Carolina and you’ve been declined for life insurance before—or you simply don’t want to deal with medical exams or health questions—Guaranteed Issue Whole Life can be one of the fastest ways to get covered.

This plan is built for people who want simple, dependable coverage to help protect loved ones from funeral costs, medical bills, and end-of-life expenses.

North Carolina Plan Highlights

Ages 50–80

Coverage: $5,000 – $25,000

True Guaranteed Issue: Not one health question

Permanent coverage: lasts for life (as long as premiums are paid)

Level premiums: payments won’t increase due to age or health changes

Carrier financial strength: A (Excellent) A.M. Best rating

Available in North Carolina (Not available in NY & ME)

If you want coverage in place without underwriting delays, this is one of the most straightforward options.

How the Death Benefit Works (Clear + Honest)

✅ Immediate Full Benefit for Accidental Death

If death occurs due to an accident, the policy pays the full death benefit immediately, even in the first two years.

⏳ First Two Years (Death Due to Sickness)

If death occurs during the first two policy years due to sickness, the policy pays:
110% of premiums paid to date

✅ Full Benefits After Two Years

After two full policy years, the policy pays 100% of the death benefit for any cause of death.

Prefer Full Benefits Immediately? (Immediate Death Benefit Option)

Some applicants in North Carolina may qualify for an Immediate Death Benefit Plan:

Coverage: $5,000 – $35,000

Immediate full death benefit for those that qualify

Critical, chronic & terminal illness riders available in most states (availability varies)

If you’re aiming for the strongest day-one protection, we can quickly check which option fits best.

Who This Is Best for in North Carolina

Adults 50–80 who need coverage now

Anyone who wants burial / final expense coverage

People with health conditions who want guaranteed acceptance

Families who want simplicity and certainty