Declined by every carrier? Arizona residents can still get guaranteed acceptance life insurance — no health questions, no medical exam, and no turn-downs for health reasons.
A one-minute look at no-health-question coverage and the two-year waiting period.
Arizona is home to a large and growing retiree population, and many of the people we talk to in the Valley and southern Arizona have been declined for traditional life insurance after a cancer diagnosis, COPD, heart failure or kidney disease. Guaranteed issue life insurance gives Arizonans a way to cover final expenses with no medical exam and no health questions.
This page covers how guaranteed issue plans work for Arizona residents, the 2-year clause, your rights as a Arizona policyholder, and how to tell whether you might qualify for something better first. For the full overview, see our main guaranteed issue life insurance guide.
No exam, no medical records, no prescription check. Approval is based on age and Arizona residency.
Commonly about $2,000 to $25,000, depending on the carrier and your age.
Usually around ages 50 to 80; some carriers go younger or older.
Whole life coverage with level premiums for life; the benefit never decreases.
If death is from illness, your beneficiary receives 100% of premiums paid plus interest — commonly around 10%. Accidental death is usually paid in full from day one.
The full face amount is paid for death from any cause, for life, with the same premium.
We work with clients across Arizona — Phoenix, Mesa, Scottsdale and the East Valley, Tucson, Prescott and Yuma. If you split the year between Arizona and another state, the policy is generally issued based on your legal state of residence, so we will confirm that before you apply.
Every Arizona life insurance policy includes a free-look period after delivery, during which you can return it for a refund of premiums. The exact number of days is printed on the policy's cover page, and Arizona provides longer review periods for older buyers on certain products.
Questions about an insurer or agent licensed in Arizona can be directed to the Arizona Department of Insurance and Financial Institutions.
| Guaranteed issue | Simplified issue | Fully underwritten | |
|---|---|---|---|
| Health questions | None | A short list | Full history |
| Medical exam | No | No | Often |
| Can be declined? | No (health) | Yes | Yes |
| Waiting period | Usually 2 years (illness) | Usually none | None |
| Cost per $1,000 | Highest | Moderate | Lowest |
Because we are independent, we always check whether you qualify for a simplified-issue or fully underwritten plan in Arizona first. Related Arizona pages:
Not for health reasons. Guaranteed issue (also called guaranteed acceptance) plans ask no health questions and require no exam. Arizona residents within the plan's issue ages are approved.
If death is from illness during the 2-year graded period, most plans refund all premiums paid plus interest (commonly around 10%) to your beneficiary. Accidental death is usually covered for the full amount from day one, and after two years the full benefit is paid for any cause.
Policies are generally issued in your state of legal residence. If Arizona is your primary residence, we can apply here; if your permanent home is in another state, we will match you with plans available there.
Yes. Guaranteed issue plans do not ask about kidney disease, dialysis, oxygen use or any other condition. The 2-year graded period applies to deaths from illness instead.
In most cases, yes. Many people who think they are uninsurable qualify for simplified-issue coverage with no waiting period and a lower price. We check that first and only recommend guaranteed issue when it is truly the best fit.
No judgment and no obligation. We'll tell you honestly whether you can qualify for full coverage from day one, or which Arizona guaranteed issue plan gives your family the most for your money.
Gemspire Insurance Solutions DBA: Compare Life Insurance, CA Ins Lic. # 0K90560, is a licensed independent insurance brokerage, not an insurer, and is licensed in Arizona. Information on this page is general and educational and is not medical, legal, tax or financial advice. Guaranteed issue products, eligible ages, face amounts, waiting periods, refund interest and accidental-death provisions vary by carrier and may not be available in all areas. Free-look periods and policyholder rights are summarized for convenience; the terms of your policy and Arizona law control.
Declined by every carrier? Arizona residents can still get guaranteed acceptance life insurance — no health questions, no medical exam, and no turn-downs for health reasons.
A one-minute look at no-health-question coverage and the two-year waiting period.
Arizona is home to a large and growing retiree population, and many of the people we talk to in the Valley and southern Arizona have been declined for traditional life insurance after a cancer diagnosis, COPD, heart failure or kidney disease. Guaranteed issue life insurance gives Arizonans a way to cover final expenses with no medical exam and no health questions.
This page covers how guaranteed issue plans work for Arizona residents, the 2-year clause, your rights as a Arizona policyholder, and how to tell whether you might qualify for something better first. For the full overview, see our main guaranteed issue life insurance guide.
No exam, no medical records, no prescription check. Approval is based on age and Arizona residency.
Commonly about $2,000 to $25,000, depending on the carrier and your age.
Usually around ages 50 to 80; some carriers go younger or older.
Whole life coverage with level premiums for life; the benefit never decreases.
If death is from illness, your beneficiary receives 100% of premiums paid plus interest — commonly around 10%. Accidental death is usually paid in full from day one.
The full face amount is paid for death from any cause, for life, with the same premium.
We work with clients across Arizona — Phoenix, Mesa, Scottsdale and the East Valley, Tucson, Prescott and Yuma. If you split the year between Arizona and another state, the policy is generally issued based on your legal state of residence, so we will confirm that before you apply.
Every Arizona life insurance policy includes a free-look period after delivery, during which you can return it for a refund of premiums. The exact number of days is printed on the policy's cover page, and Arizona provides longer review periods for older buyers on certain products.
Questions about an insurer or agent licensed in Arizona can be directed to the Arizona Department of Insurance and Financial Institutions.
| Guaranteed issue | Simplified issue | Fully underwritten | |
|---|---|---|---|
| Health questions | None | A short list | Full history |
| Medical exam | No | No | Often |
| Can be declined? | No (health) | Yes | Yes |
| Waiting period | Usually 2 years (illness) | Usually none | None |
| Cost per $1,000 | Highest | Moderate | Lowest |
Because we are independent, we always check whether you qualify for a simplified-issue or fully underwritten plan in Arizona first. Related Arizona pages:
Not for health reasons. Guaranteed issue (also called guaranteed acceptance) plans ask no health questions and require no exam. Arizona residents within the plan's issue ages are approved.
If death is from illness during the 2-year graded period, most plans refund all premiums paid plus interest (commonly around 10%) to your beneficiary. Accidental death is usually covered for the full amount from day one, and after two years the full benefit is paid for any cause.
Policies are generally issued in your state of legal residence. If Arizona is your primary residence, we can apply here; if your permanent home is in another state, we will match you with plans available there.
Yes. Guaranteed issue plans do not ask about kidney disease, dialysis, oxygen use or any other condition. The 2-year graded period applies to deaths from illness instead.
In most cases, yes. Many people who think they are uninsurable qualify for simplified-issue coverage with no waiting period and a lower price. We check that first and only recommend guaranteed issue when it is truly the best fit.
No judgment and no obligation. We'll tell you honestly whether you can qualify for full coverage from day one, or which Arizona guaranteed issue plan gives your family the most for your money.
Gemspire Insurance Solutions DBA: Compare Life Insurance, CA Ins Lic. # 0K90560, is a licensed independent insurance brokerage, not an insurer, and is licensed in Arizona. Information on this page is general and educational and is not medical, legal, tax or financial advice. Guaranteed issue products, eligible ages, face amounts, waiting periods, refund interest and accidental-death provisions vary by carrier and may not be available in all areas. Free-look periods and policyholder rights are summarized for convenience; the terms of your policy and Arizona law control.
