How DO I Qualify
Request a Consult With One of Our Agents
The process is actually a lot simpler than you think! Because we are brokers our rates and plans are a lot more inexpensive than you think because we are able to shop over 40 carriers for you to find you the best plan that fits both your budget and your needs.
Benefits of Working With Us:
✅ No Medical Exams Required in Most Cases
✅ Approvals Can Be Done Same Day In Minutes
✅ Tobacco Users Can Be Accepted
✅ Affordable Low-Cost Premiums That Fit Anyone's Budget
✅Have some health concerns? That's ok we have several carriers who accept health concerns your family deserves coverage as well.
Why Guaranteed Issue Insurance?
BEEN DECLINED IN THE PAST OR WORRIED YOU WON'T QUALIFY?
Hassle-Free Coverage with Guaranteed Issue Whole Life Insurance
Many individuals are seeking life insurance without health questions, medical exams, or unnecessary delays. With Guaranteed Issue Whole Life Insurance from our trusted carriers, we’re able to provide coverage for people of all ages — including those with serious health conditions who may have been declined elsewhere.
✅ No medical exams
✅ No health questions
✅ Guaranteed acceptance
If you've struggled to find coverage in the past, we’re here to offer a reliable solution with dignity, simplicity, and peace of mind.
You can secure up to $25,000 in Whole Life Insurance with a two-year graded benefit period — offering peace of mind with zero risk.
Here’s how it works:
During the first two years, if the insured passes away, the beneficiary will receive a full refund of all premiums paid plus up to 10% interest. That’s a stronger return than most traditional savings accounts — making it both a smart and safe option.
After the two-year period, the full death benefit becomes available.
✅ Available from 20 days old up to age 85
✅ Lifetime coverage that never expires as long as premiums are paid
A simple, guaranteed way to protect your loved ones — and grow your legacy.
Get Enrolled Today
Click on the blue tab below and get enrolled today on your own in the Guaranteed Issue Coverage up to $25,000.
Grow your assets with A UniversalOR IUl Plan Plan
Universal Life Insurance
Universal Life Insurance
Universal Life Insurance
Flexible Premium UL allows the policyholder to determine how much they wish to pay each time premium is due. In addition, Flexible Premium UL offers two different death benefit options: 1. A level death benefit (often called Option A), or 2. A level amount at risk (often called Option B). This is also referred to as an increasing death benefit. Policyholders frequently buy Flexible Premium UL with a large initial deposit, thereafter making payments irregularly.
Indexed Universal Life
Universal Life Insurance
Universal Life Insurance
An Indexed Universal Life (IUL) policy is a permanent life insurance plan that provides lifelong protection while also building cash value over time. The growth of the cash value is linked to the performance of a market index, such as the S&P 500, allowing for potential growth without directly investing in the stock market.
Unlike traditional investments, IUL policies include downside protection, meaning your cash value won’t lose money due to market declines. As the policy grows, the accumulated cash value may be accessed for future needs such as retirement income, emergencies, or other financial goals.
IUL plans offer flexible premiums, tax-advantaged growth, and lifelong coverage, making them a popular option for individuals looking to combine protection with long-term financial planning.
Who may need Guaranteed issue
Children With Medical Conditions
Children With Medical Conditions
Children With Medical Conditions
We never want to think it could happen to our child, but the reality is we see it everyday. We feel every parent should be able to get coverage for their child so we partnered with a great carrier to be able to offer this plan. You Can Get Coverage Even With Pre-existing Conditions .
Adults Major Health Condition
Children With Medical Conditions
Children With Medical Conditions
We have partnered with carriers to offer our adult clients affordable coverage. We range between age 20 days- to age 87. You can get up to $25,000 in guaranteed issue whole life. You may still want to consult with one of our licensed agents before assuming you need guaranteed issue. We have partnered with some great carriers that accept some conditions at a level tier rather than guaranteed issue. Let us do the heavy lifting and see if we can find you level day 1 coverage first.
Protect your family with Accidental Death Coverage
Top Causes of Death By Age
Did you know the number 1 cause of death differs by age group?
-From ages 1 to 4, babies, toddlers, and their caregivers should be extra cautious around water
-For a person between 5 and 24, car crashes pose the greatest threat to their life
-For people between 25 and 44, the leading cause of death shifts from car crashes to accidental poisoning
-From ages 45 to 64, as our cells age and DNA gets damaged, cancer becomes the greatest risk to our lives
-For people age 65 and older, heart disease (sometimes called the silent killer) becomes a bigger threat than cancer
Accidents Happen Daily
Accidental Deaths are the 3rd Cause of Death in the US. Pictured above is Founder Jason Cintron as he was filmed Live on Live PD working as a Paramedic. On an average 24 hour shift he would commonly run anywhere between 14-20 calls. That means 14 families on average every 24 hours just in his zone alone had an emergency they were not planning on alter their life. This is why we also say it's better to get coverage today, because we also know tomorrow is never promised.
An estimated 200,955 people died from unintentional injuries in 2020, with the highest death rates from unintentional injuries found among the elderly. The most common types of unintentional injuries that lead to death involve poisonings, motor vehicles, and falls, suffocation, drowning, fire and burns, and natural or environmental disasters .