What is guaranteed life insurance?

Guaranteed life insurance is a type of life insurance policy that guarantees you coverage with no need for a medical exam. That means you can get a policy regardless of your health or medical history. For this reason, guaranteed life is also commonly called guaranteed issue life insurance or guaranteed acceptance life insurance, among other terms.

Benefits of guaranteed life insurance

Life insurance no matter what

With guaranteed life insurance, you'll never be denied coverage based on your health or pre-existing conditions.

No medical exam necessary

If health is a concern, guaranteed life insurance may be the right option for you. However, policies may be more expensive.

Lifelong coverage

Guaranteed life insurance is often permanent life insurance. As long as required premiums are paid, this policy never expires.

Coverage for end-of-life expenses

Some guaranteed life insurance policies (sometimes called guaranteed issue final expense insurance) are meant to cover end-of-life expenses, such as a funeral or cremation.

How much do you know about life insurance?

Take our quiz

Questions about guaranteed life insurance? We've got answers.

Get matched with a financial advisor in four easy steps.

The Northwestern Mutual difference

A++ financial strength rating

AAA, Aaa, and AA+—we've earned the highest financial strength ratings awarded to life insurers from all four major rating agencies.1

Awarded in the Insurance category: Life & Health industry, Fortune® Magazine's annual survey, 2017

No. 1 ranked insurance company for consumer experience

Best life insurance company for consumer experience, 20232

Ranking for Northwestern Mutual Investment Services LLC, ©2017–2024 and TM, NerdWallet, Inc. All Rights Reserved.

5.0M+ clients at Northwestern Mutual

The number of people we're proud to call clients, and who put their trust in us.

Picture of a financial representative

Ready to find the best life insurance option for you?

Not sure whether guaranteed life makes sense for your situation? Our advisors will help you understand all of your options for life insurance so that you can be confident that your loved ones are protected no matter what.

It's easy to get started—no commitment, just a conversation.