Guaranteed issue life insurance is coverage issued without medical questions or exams, typically with graded death benefits for the first years to mitigate anti-selection. Policies are used for final-expense needs or to cover individuals who would otherwise be uninsurable. Premiums are higher per dollar of benefit, and coverage amounts are limited. In group settings, a guaranteed-issue window allows employees to enroll up to a cap without evidence.

Carriers open guaranteed-issue windows during group enrollments; advisors publicize deadlines and caps. For retail final expense, producers explain graded benefits and premium trade-offs to avoid surprises at claim time.