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Health Approval Optimizer
Conveniently Determine Which Insurance Carriers In the Marketplace Will Approve You
Are you Applying for a Guaranteed Issue Whole Life Insurance Policy?
This is the most common and cost efficient method to applying for and being approved for a Final Expense life insurance policy. Providing some information about your health to the insurance company allows you to be eligible for the most competitive priced plans with no waiting periods. Although every insurance company asks slightly different health underwriting questions, claritylifeins has built an incredibly easy-to-use click-through health category system to clearly and quickly identify your approval from all of the competing insurance companies in the marketplace
Yes, I am
You have the option to choose a permanent whole life insurance policy that does not require any personal health information to be disclosed to the insurance company. Under this policy type, which is called a “Guaranteed Issue” whole life policy, no health questions of any kind are asked by the insurance company to approve and issue your coverage. This type of policy is suitable and guaranteed for individuals that fall within certain age ranges and circumstances. Click the main part of the box to see an outline of these eligibility and suitability conditions.
No, I am Not
In Addition to your initial 6 month open enrollment period when you first enroll in Medicare, there are several other potential scenarios that would allow you to be “Guaranteed Issue” into a Medicare Supplement plan without answering any health underwriting questions. If you fall into one of these scenarios then you are guaranteed to be accepted into the plan of your choice, regardless of your health. Click the mail part of the box to see an outline of these “Guaranteed Issue” scenarios.
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