Declined by every carrier? Florida 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.
Florida has one of the largest senior populations in the country, and with it, many people who have been declined for life insurance because of heart disease, cancer, diabetes complications or a recent stroke. Guaranteed issue life insurance lets Floridians leave money for final expenses without answering any health questions.
This page covers how guaranteed issue plans work for Florida residents, the 2-year clause, your rights as a Florida 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 Florida 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 help clients throughout Florida — Miami and South Florida, Tampa Bay, Orlando, Jacksonville, The Villages, Fort Myers and Sarasota. If you are a seasonal resident, the policy is generally issued in your state of legal residence, so we will confirm the right state before you apply.
Florida life insurance policies include a free-look period after delivery during which you can return the policy for a full refund of premiums. The number of days is printed on your policy.
Questions about an insurer or agent licensed in Florida can be directed to the Florida Department of Financial Services (Insurance Consumer Helpline).
| 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 Florida first. Related Florida pages:
Not for health reasons. Guaranteed issue (also called guaranteed acceptance) plans ask no health questions and require no exam. Florida 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.
Generally your state of legal residence — where you are registered to vote, file taxes or hold a driver's license. We will confirm this so the policy is issued correctly.
Yes. Assisted living, memory care or nursing home residence does not disqualify you from guaranteed issue coverage, provided you are within the issue ages.
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 Florida 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 Florida. 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 Florida law control.
Declined by every carrier? Florida 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.
Florida has one of the largest senior populations in the country, and with it, many people who have been declined for life insurance because of heart disease, cancer, diabetes complications or a recent stroke. Guaranteed issue life insurance lets Floridians leave money for final expenses without answering any health questions.
This page covers how guaranteed issue plans work for Florida residents, the 2-year clause, your rights as a Florida 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 Florida 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 help clients throughout Florida — Miami and South Florida, Tampa Bay, Orlando, Jacksonville, The Villages, Fort Myers and Sarasota. If you are a seasonal resident, the policy is generally issued in your state of legal residence, so we will confirm the right state before you apply.
Florida life insurance policies include a free-look period after delivery during which you can return the policy for a full refund of premiums. The number of days is printed on your policy.
Questions about an insurer or agent licensed in Florida can be directed to the Florida Department of Financial Services (Insurance Consumer Helpline).
| 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 Florida first. Related Florida pages:
Not for health reasons. Guaranteed issue (also called guaranteed acceptance) plans ask no health questions and require no exam. Florida 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.
Generally your state of legal residence — where you are registered to vote, file taxes or hold a driver's license. We will confirm this so the policy is issued correctly.
Yes. Assisted living, memory care or nursing home residence does not disqualify you from guaranteed issue coverage, provided you are within the issue ages.
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 Florida 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 Florida. 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 Florida law control.
