Guaranteed Issue Whole Life Insurance

Secure lifelong coverage without medical exams or health questions.

Coverage Guaranteed

Don’t let imperfect health stand in your way of securing permanent life insurance. With our Guaranteed Issue Whole Life policy, you can enjoy lifelong protection with a single payment—no medical exams or health questions required.

Coverage with One Payment

Enjoy permanent protection with our Guaranteed Issue Whole Life policy, requiring just a single payment.

No Medical Exam Needed

Secure permanent coverage regardless of your health conditions—no medical exam required.

BetterLife Member Benefits

Enjoy access to all BetterLife Member Benefits, available to you at no extra cost.

BetterLife Funeral Expense Trust

Pair BetterLife’s Guaranteed Issue Whole Life with our Funeral Expense Trust program for maximum flexibility in managing final expenses. This combination ensures that death benefit proceeds are used appropriately and provides additional benefits. Click the button below to learn more.

Learn More

Guaranteed Issue Whole Life is a great option for:

Seniors And People With Sub-Standard Health

Our Guaranteed Issue Whole Life policy offers coverage for individuals aged 40-90 without requiring a medical exam, making it an excellent option for seniors and those with health conditions.

Final Expense Planning

A wonderful option for those looking to fund final expense needs, our Guaranteed Issue Whole Life policy provides a guaranteed death benefit that can be used for burial or funeral expenses, as well as other often-overlooked costs such as medical bills or credit card debt.

Is BetterLife’s Guaranteed Issue Whole Life Insurance Right for You?

Accelerated Death Benefit Rider: Included at no additional cost, this rider offers extra flexibility for policyholders with terminal or permanent illnesses.*
Permanent Protection: Enjoy lifelong coverage with a tax-free** death benefit.
Simplified Premium: Secure lifetime coverage with a single premium payment.
Guaranteed Cash Value: Your policy builds accessible guaranteed cash value over time.***
Flexible Policy Amounts: Policies available from $2,000 to $25,000
Eligibility: Available to individuals ages 40-90.
Access to Exclusive Member Benefits: Gain complementary access to BetterLife’s suite of member benefits, at no additional cost.
Ability to Grow: Eligible to earn dividends.****

Discover our comprehensive suite of Better Final Expense life insurance products. Download our informative Better Final Expense solutions document now.

*Subject to terms of rider **According to current tax laws, IRC Sections 101 & 7702. ***Accessing cash value decreases death benefit ****Dividends are not guaranteed.

Hear from Our Satisfied Members:

Megan

Member from Sun Prairie, WI

"I have been a member with BetterLife for 35 years and have always felt like I am a part of the BetterLife family. When I have a question about my policy, I can count on receiving friendly, knowledgeable, and helpful service."

Anna

Member from Hettinger, SD

"BetterLife has been involved in my life for a very long time. My father passed away when I was 10, and his insurance policy kept us going during that time. I have my own policy, I was a national scholarship winner which helped me attend college and become the teacher I am today."

Marcia

Member from Verona, WI

"BetterLife has really taken the time to get to know me and my family. I like that they are part of my community and they care about the same things I do."

Doug

Member from South Dakota

"The most important part of being a BetterLife member is how we help our community so much. The activities, from the small projects to the big projects, fundraising hundreds of thousands of dollars, benefit so many people."

Sharon

Member Since 1968

"Being a member of this fraternal company gave me the ability to help others."

Elizabeth

Member for 72+ Years

"BetterLife provides a supportive group to meet with and enjoy socializing and providing community service."

Interested in Learning More?

Our BetterLife agents are here to help.

Simply fill out the form, and one of our agents will get in touch with you within 1-2 business days to provide all the information you need.