2025 Guide: Cheapest Guaranteed Life Insurance

Planning for the future often involves ensuring your loved ones aren’t burdened with unexpected costs after you’re gone. Final expenses, like funeral costs, outstanding medical bills, or small debts, can add up quickly. For many individuals, especially seniors or those with pre-existing health conditions, securing traditional life insurance can be challenging. This is where guaranteed issue life insurance, often called guaranteed acceptance life insurance, becomes a crucial financial tool. But how do you find the cheapest guaranteed life insurance policy in 2025 that still meets your needs?

The term “cheapest” can be misleading. While finding an affordable premium is important, the lowest price doesn’t always equate to the best value or the right fit for your specific circumstances. Factors like the graded death benefit period, coverage amount, and the insurance carrier itself all play significant roles. Navigating this landscape requires understanding the product and comparing options effectively.

That’s where working with an independent agency like Insurance By Heroes makes a significant difference. Founded by a former first responder and military spouse, our agency is staffed by dedicated professionals, many with backgrounds in public service themselves. We understand the importance of security and peace of mind. Unlike captive agents who represent only one company, Insurance By Heroes partners with dozens of top-rated insurance carriers. This allows us to shop the market extensively on your behalf, comparing various guaranteed life insurance quotes and policy features to find the coverage that truly aligns with your needs and budget. We believe that finding the right protection isn’t about pushing a single product; it’s about understanding your unique situation and leveraging our broad network to find the optimal solution.

What Exactly is Guaranteed Life Insurance?

Guaranteed issue life insurance, also frequently referred to as guaranteed acceptance life insurance, is a type of permanent life insurance policy (usually whole life) specifically designed for individuals who might otherwise struggle to obtain coverage. Its defining characteristic is the simplified application process.

Here’s the core concept:

• No Medical Exam: Applicants are not required to undergo a physical medical examination.
• No Health Questions (Typically): Most guaranteed issue policies do not ask questions about your health history. This is a major advantage for those with chronic illnesses or significant past medical events.

Because acceptance is virtually guaranteed for applicants within the specified age range (commonly 40/50 to 80/85, depending on the carrier), these policies provide a vital safety net. They ensure that individuals, regardless of their health status, can secure some level of life insurance coverage.

These policies are primarily intended to cover final expenses. Common uses include:

• Funeral and burial costs
• Cremation expenses
• Outstanding medical bills
• Credit card debt or small personal loans
• Legal fees associated with settling an estate
• Leaving a small legacy or gift to beneficiaries

However, guaranteed acceptance comes with certain trade-offs and limitations that are crucial to understand:

• Lower Coverage Amounts: Compared to traditional life insurance, guaranteed issue policies typically offer lower death benefits. Coverage amounts often range from $5,000 to $25,000, although some carriers may offer up to $40,000 or $50,000. This amount is usually sufficient for final expenses but not for larger needs like replacing income or paying off a mortgage.
• Graded Death Benefit: This is perhaps the most significant feature to understand. Most guaranteed issue policies have a “graded” period, typically lasting for the first two or three years the policy is in force. If the insured passes away due to natural causes (illness or disease) during this graded period, the beneficiaries usually do not receive the full face amount of the policy. Instead, they typically receive a return of the premiums paid, often with a small amount of interest (e.g., 10%). If death occurs due to an accident at any time, even during the graded period, the full death benefit is usually paid out. After the graded period ends, the full death benefit is paid regardless of the cause of death. Insurers implement this feature to protect themselves against “adverse selection” – people buying coverage only because they know they are very near death.
• Higher Premiums Per Dollar of Coverage: Because the insurance company assumes a higher risk by not evaluating your health, the cost per thousand dollars of coverage is generally higher for guaranteed issue policies compared to medically underwritten policies like term life or standard whole life.

Understanding these elements is the first step toward finding a policy that works for you, not just the one with the lowest initial price tag.

Why Finding the “Cheapest” Isn’t Always Straightforward

Searching for the “cheapest guaranteed life insurance” seems logical. Everyone wants to save money, especially those on a fixed income. However, focusing solely on the lowest monthly premium can be shortsighted and might lead you to a policy that isn’t the best value or doesn’t fully meet your needs.

Here’s why the concept of “cheapest” is more complex than it appears:

• Premiums Vary Widely by Carrier: For the exact same age, gender, and coverage amount, premiums for guaranteed issue life insurance can differ significantly from one insurance company to another. Carrier A might be the cheapest for a 65-year-old male seeking $10,000, while Carrier B might offer a better rate for a 72-year-old female seeking $15,000. There’s no single “cheapest” provider across the board.
• Graded Benefit Period Differences: While a two-year graded period is common, some policies might have a three-year period, or the interest paid on returned premiums during the graded period might differ. A slightly lower premium might come with a longer waiting period for the full benefit, which could be a crucial factor depending on your health outlook.
• Age Brackets and Rate Increases: Premiums are heavily dependent on your age at the time of application. Waiting even a year can sometimes push you into a higher age bracket, resulting in a permanently higher premium. The “cheapest” option today might be more expensive than locking in a rate now.
• State Regulations: Insurance is regulated at the state level. Policy availability, features, and pricing can vary depending on where you live. What’s available and affordable in one state might not be in another.
• Value Beyond Price: Consider the insurance carrier’s financial stability (look for ratings from agencies like A.M. Best) and customer service reputation. The absolute lowest price might come from a lesser-known company or one with poor service reviews. Peace of mind involves knowing the company will be there to pay the claim when needed.

This inherent complexity underscores the value of working with an independent agency like Insurance By Heroes. We aren’t limited to the products of a single insurer. Our access to dozens of carriers allows us to perform a comprehensive market comparison tailored specifically to you. We analyze the premiums, graded benefit details, coverage limits, and carrier reputations to find the policy that offers the best combination of affordability and reliable protection for *your* unique circumstances. Our foundation, built by a former first responder and military spouse, instills a deep commitment to serving our clients’ best interests, ensuring you understand all the options and make an informed decision, not just the quickest or seemingly cheapest one.

Key Features of Guaranteed Issue Life Insurance Policies (Updated for 2025)

Guaranteed issue life insurance policies offer a unique set of features designed to provide accessible coverage. As you compare options in 2025, keep these core characteristics in mind:

Guaranteed Acceptance

This is the cornerstone benefit. As long as you fall within the eligible age range set by the insurer (e.g., 50-85) and reside in a state where the policy is offered, your application is virtually certain to be approved. There are no medical hurdles to clear, making it an invaluable option for those previously declined for other types of life insurance.

No Medical Exam or Health Questions

This feature simplifies the application process immensely. You avoid inconvenient visits for medical exams, blood tests, or urine samples. More importantly, you don’t have to answer potentially disqualifying questions about your medical history, ongoing treatments, or medications. This removes a significant barrier for individuals managing chronic conditions.

Fixed Premiums

Once your policy is issued, the premium amount is typically locked in and guaranteed never to increase for the life of the policy, as long as you continue to pay the premiums. This predictability is essential for budgeting, particularly for seniors or anyone living on a fixed income. You know exactly what the cost will be month after month, year after year.

Graded Death Benefits

This requires careful attention. As mentioned earlier, most guaranteed issue policies include a waiting period, usually two years (sometimes three), for death due to non-accidental causes.

• During the Graded Period (e.g., Years 1-2): If death occurs due to illness or natural causes, the beneficiaries receive a refund of all premiums paid, plus a certain percentage of interest (commonly 10%).
• Accidental Death: If death occurs due to a covered accident at any time (even during the graded period), the full policy face amount is typically paid out. Definitions of “accident” can vary slightly by policy, so it’s good to understand the terms.
• After the Graded Period (e.g., Year 3+): Once the waiting period is over, the full face amount of the policy is paid to the beneficiaries upon the insured’s death, regardless of the cause (natural or accidental).

It’s crucial to know the exact length of the graded period and the payout terms for the specific policy you are considering. Insurance By Heroes ensures clients understand this feature clearly across the different carriers we represent, as slight variations exist. Not every policy structure is ideal for every situation, and transparency is key.

Coverage Amounts Tailored for Final Expenses

The death benefits offered typically range from $5,000 to $25,000 or sometimes up to $50,000. While this might seem low compared to other types of life insurance, it aligns directly with the primary purpose of these policies: covering final expenses like funerals ($10,000-$15,000 on average), medical bills, and small debts, thereby preventing these costs from falling on surviving family members.

Cash Value Accumulation (Potential)

Because guaranteed issue policies are often structured as whole life insurance, they may slowly build a small amount of cash value over many years. This cash value grows on a tax-deferred basis. While it’s usually not the primary reason for purchasing the policy, this accumulated value might eventually be accessible through policy loans or withdrawals. However, accessing the cash value will typically reduce the death benefit payable to beneficiaries. The growth rate is generally modest compared to investment-focused products.

Understanding these features helps you evaluate whether a guaranteed issue policy is the right tool for your financial protection needs in 2025.

Who Typically Benefits Most from Guaranteed Life Insurance?

Guaranteed acceptance life insurance isn’t the right fit for everyone, but for certain individuals, it provides an essential solution when other options are unavailable or unsuitable. The primary beneficiaries usually fall into these categories:

• Seniors Seeking Final Expense Coverage: Many individuals in their 60s, 70s, and 80s seek peace of mind knowing their funeral costs and final bills won’t burden their children or spouse. Guaranteed issue life insurance offers a straightforward way to secure coverage specifically for these end-of-life expenses, often when health changes make other insurance harder to obtain. Keywords like “life insurance for seniors over 70” and “life insurance for seniors over 80” directly relate to this group.
• Individuals with Significant Health Problems: This is a major group who benefits. People with serious pre-existing conditions such as cancer history, heart disease, COPD, diabetes with complications, kidney failure, HIV/AIDS, or recent strokes may find it extremely difficult or impossible to qualify for medically underwritten life insurance. Guaranteed issue provides a pathway to coverage regardless of these health issues.
• Those Declined for Other Life Insurance: If you’ve applied for term life or standard whole life insurance and been declined due to health reasons or age, guaranteed acceptance offers a viable alternative to secure at least some level of coverage.
• People Wanting a Simple, Fast Application: Some individuals prefer to avoid medical exams and lengthy health questionnaires altogether. Guaranteed issue offers the quickest and simplest application process available for life insurance.
• Individuals Needing Smaller Coverage Amounts: If your primary goal is solely to cover burial costs or pay off small outstanding debts ($5,000 – $25,000 range), a guaranteed issue policy aligns well with this need without requiring you to purchase (and pay for) a larger policy than necessary.
• Those Looking to Supplement Existing Coverage: Sometimes, an individual might have an older, smaller policy and wants to add a bit more coverage specifically for rising final expense costs, using a guaranteed issue policy to easily top up their protection.

At Insurance By Heroes, our team includes individuals with backgrounds in service professions – first responders, military families. We have a firsthand understanding of the importance of dependable planning and ensuring families are protected during difficult times. We frequently work with seniors and individuals managing health concerns, connecting them with reputable carriers who specialize in guaranteed issue and final expense insurance. We recognize that for many in these situations, this type of policy isn’t just an option; it’s a necessity for peace of mind.

Comparing Guaranteed Issue vs. Other Types of Life Insurance

Understanding how guaranteed issue (GI) life insurance stacks up against other common types of policies is crucial for making an informed decision. While GI offers accessibility, it might not be the most cost-effective or comprehensive option if you qualify for alternatives. Here’s a comparison:

Guaranteed Issue vs. Term Life Insurance

• Purpose: Term life is designed for temporary needs (e.g., 10, 20, 30 years) like replacing income during working years, covering a mortgage, or funding children’s education. GI is primarily for permanent, smaller needs like final expenses.
• Underwriting: Term life typically requires full medical underwriting (exam, health questions). GI has no medical exam or health questions.
• Cost: For healthy individuals, term life offers significantly lower premiums per dollar of coverage than GI.
• Coverage Amounts: Term life allows for much higher coverage amounts (often $100,000 to millions). GI offers lower amounts ($5,000 – $50,000).
• Duration: Term life expires after the chosen term. GI (as a whole life policy) lasts your entire lifetime as long as premiums are paid.
• Key Takeaway: If you are relatively healthy and need coverage for a specific period, term life is usually much more affordable. GI is for those who can’t qualify for term or need permanent, smaller coverage.

Guaranteed Issue vs. Fully Underwritten Whole Life Insurance

• Purpose: Both offer lifelong coverage and typically build cash value. Standard whole life can be used for final expenses, estate planning, or leaving a larger legacy. GI focuses mainly on final expenses.
• Underwriting: Standard whole life requires full medical underwriting. GI does not.
• Cost: If you qualify medically, standard whole life premiums per dollar of coverage are usually lower than GI premiums.
• Coverage Amounts: Standard whole life offers higher potential coverage amounts than GI.
• Graded Benefit: Standard whole life pays the full death benefit from day one (no graded period). GI has a 2-3 year graded period for non-accidental death.
• Key Takeaway: If you are healthy enough to qualify and need lifelong coverage (potentially with higher amounts), standard whole life is often a better value than GI. GI serves those who cannot qualify medically.

Guaranteed Issue vs. Simplified Issue Life Insurance

• Purpose: Both are often used for final expenses and target individuals who might not qualify for fully underwritten policies.
• Underwriting: This is the key difference. Simplified issue (SI) has NO medical exam, but it DOES ask a limited number of health questions (e.g., about recent hospitalizations, specific major illnesses like cancer or heart attack within the last 2-5 years, terminal illness diagnosis). GI has no exam AND no health questions.
• Cost: If you can answer “no” to the health questions on an SI application, the premiums are typically lower than GI premiums for the same coverage amount.
• Coverage Amounts: SI policies sometimes offer slightly higher coverage limits than GI policies (e.g., up to $50,000 or sometimes more).
• Graded Benefit: Some SI policies offer full death benefits from day one (Level Death Benefit plans), while others might still have a graded period, though potentially shorter or with better terms than GI. This varies greatly by carrier and specific product.
• Key Takeaway: Simplified issue is a middle ground. If you have some health issues but can honestly answer “no” to the knockout questions, SI can be a more affordable option than GI, potentially with immediate full coverage. It’s always worth checking eligibility for SI before resorting to GI.

The critical point here is that you might have more options than you think. Assuming guaranteed issue is your only choice without exploring alternatives could mean paying more than necessary or settling for a graded benefit when you might qualify for immediate coverage. This is precisely why consulting with Insurance By Heroes is so beneficial. As an independent agency, we aren’t locked into promoting only guaranteed issue policies. We assess your overall situation – health, budget, coverage needs – and compare options across the spectrum from our dozens of carrier partners. We can quickly determine if you might qualify for a more advantageous simplified issue policy or even a surprisingly affordable traditional policy. Our commitment is to find the *right* fit for *you*, ensuring you don’t overpay or accept unnecessary limitations if a better alternative exists.

How to Find the Most Affordable Guaranteed Life Insurance Quotes in 2025

Securing affordable guaranteed life insurance requires a strategic approach. Since premiums can vary significantly between insurers, comparison shopping is absolutely essential. Here’s how to navigate the process effectively in 2025:

1. Determine Your Actual Needs: Before seeking quotes, calculate how much coverage you realistically need. Research current average funeral costs in your area (often $10,000-$15,000). Add estimates for any outstanding medical bills, credit card debts, or other small loans you want cleared. Choosing an appropriate coverage amount ($10,000, $15,000, $20,000, etc.) prevents you from overpaying for unnecessary coverage while ensuring your primary goals are met.
2. Understand What Influences the Quote: Remember the key factors affecting your premium: your precise age at application, your gender, the state you live in, and the amount of coverage you select. Having this information ready will streamline the quoting process.
3. Look Beyond the Premium Price: When comparing guaranteed life insurance quotes, don’t stop at the monthly cost. Carefully examine:
   • The Graded Benefit Period: Is it two years or three? What percentage of premiums is returned (+ interest) if death occurs during this period from non-accidental causes?
   • Carrier Financial Strength: Check the insurer’s ratings from independent agencies like A.M. Best (look for ‘A’ ratings or higher), Standard & Poor’s, or Moody’s. You want assurance the company is financially sound and capable of paying claims long-term.
   • Policy Fees: Are there any policy setup fees or ongoing administrative charges?
   • Customer Service Reputation: While harder to quantify, look for reviews or information about the carrier’s claims process and customer support.
4. Compare Quotes from Multiple Carriers: This is the single most important step to finding the most affordable rate. Do not assume the first quote you receive is the best available. Rates for identical coverage can vary by 20%, 30%, or even more between different companies. You need to cast a wide net.

This is precisely where Insurance By Heroes provides immense value. Instead of you needing to contact numerous insurance companies individually, fill out multiple forms, and try to decipher varying policy details, you work directly with us. As an independent agency founded with a spirit of service – reflecting our founder’s background as a first responder and military spouse – we do the heavy lifting for you. We have access to quoting systems and established relationships with dozens of the nation’s top guaranteed issue life insurance carriers. We input your specific details (age, gender, state, desired coverage) and instantly compare rates and policy features across our extensive network. We present you with the most competitive options, explaining the nuances of each (like the graded benefit details) so you can make a truly informed choice. Our expertise helps you find not just *a* cheap policy, but the most affordable, high-quality guaranteed life insurance policy available *for you* in 2025, saving you time, frustration, and potentially significant money over the life of the policy.

Factors Affecting Your Guaranteed Life Insurance Premium

While guaranteed issue policies don’t involve medical underwriting, several key factors directly influence the premium you will pay. Understanding these can help you anticipate costs and recognize why personalized quotes are essential:

• Age: This is the most significant factor. Life insurance premiums are based on life expectancy, and the older you are when you apply, the higher the statistical risk for the insurer, resulting in a higher premium. Rates typically increase each year you age, often grouped into age bands (e.g., 60-64, 65-69). Applying sooner rather than later generally locks in a lower rate for life. This is particularly relevant for keywords like “life insurance for seniors over 70” and “life insurance for seniors over 80,” where age heavily impacts cost.
• Gender: Statistically, women have a longer life expectancy than men. Consequently, females generally receive slightly lower premium rates than males of the same age for the same amount of coverage.
• Coverage Amount (Face Amount): Logically, the more coverage you purchase, the higher your premium will be. A $20,000 policy will cost more than a $10,000 policy from the same carrier for the same individual. That’s why accurately determining your needs is important – buying only the coverage you require helps keep premiums affordable.
• State of Residence: Insurance products and pricing are regulated at the state level. The exact same policy from the same carrier might have slightly different rates or availability depending on the state you live in due to varying regulations and market conditions.
• Carrier Choice: As emphasized before, different insurance companies price their guaranteed issue products differently based on their own internal risk assessments, target markets, and operational costs. One company might be highly competitive for 65-year-olds, while another focuses on being affordable for those over 75. This variation between carriers is a primary reason why comparison shopping is vital.

Notice what’s generally *not* a major factor for true guaranteed issue: specific health conditions or tobacco use. While tobacco use dramatically impacts rates for underwritten policies, most guaranteed acceptance applications don’t ask about it, offering the same rate regardless (though this should always be confirmed for a specific policy). The “guarantee” means they accept the broad risk pool within an age group.

Because these factors – especially age and carrier choice – interact uniquely for every individual, obtaining generic quotes online can be misleading. A rate advertised for a “typical” 60-year-old might not apply to you. At Insurance By Heroes, we gather your specific details and run comparisons across our wide network of carriers. We account for all these variables to find the actual most competitive premium available for your unique profile, ensuring you get genuinely affordable guaranteed life insurance tailored to you.

Potential Downsides of Guaranteed Issue Life Insurance

While guaranteed issue life insurance provides an essential lifeline for many, it’s important to be aware of its potential drawbacks compared to other types of policies. Transparency is key to making the right decision.

• Higher Cost Per Dollar of Coverage: This is the main trade-off for guaranteed acceptance. Because the insurer takes on unknown health risks, the premium charged for each $1,000 of death benefit is significantly higher than it would be for a medically underwritten policy (like term or standard whole life) for a healthy individual. You pay more for the convenience and accessibility.
• The Graded Death Benefit: The two-to-three-year waiting period for the full payout on non-accidental death is a substantial limitation. If the insured passes away from an illness during this initial period, the beneficiaries will only receive a return of premiums (usually plus interest), not the policy’s face amount. While accidental death is typically covered from day one, the graded period for natural causes is a risk factor beneficiaries need to understand.
• Lower Coverage Limits: The typical maximum coverage amounts ($25,000 to $50,000) are designed for final expenses. They are generally insufficient for larger financial needs like replacing a significant amount of lost income for a family, paying off a large mortgage balance, or fully funding a child’s college education. If you need higher coverage, GI is likely not the right solution (unless used as a small supplement).
• Limited Options and Riders: Guaranteed issue policies are typically straightforward with fewer customization options or riders (add-on benefits) compared to traditional policies. Features like disability waivers or options to increase coverage later are usually not available.

At Insurance By Heroes, we believe in full transparency. We ensure our clients understand these potential downsides clearly. Our commitment, driven by our background in public service, is to educate and empower you. We explain exactly how the graded death benefit works for the specific policies we quote. Crucially, because we are independent, we always check if you might qualify for a better alternative first. Can you answer “no” to simplified issue health questions? If so, we’ll present those options, which often have lower costs and immediate full coverage. We only recommend guaranteed issue when it truly is the most suitable or the only available option based on your health and needs. Our goal is to find the *best overall solution*, not just sell a policy.

Tips for Shopping Smartly (Even for Guaranteed Issue)

Finding the right guaranteed life insurance policy involves more than just finding the lowest number on a quote sheet. Here are some tips for shopping smartly in 2025:

• Don’t Procrastinate: Premiums increase with age. Locking in a rate sooner rather than later will save you money over the long term. Even waiting a few months could potentially push you into a higher age bracket with increased premiums.
• Be Realistic About Your Needs: Carefully calculate the amount needed for final expenses and small debts. Avoid the temptation to buy more coverage than necessary, which increases the premium, but also ensure the amount is sufficient to cover your intended purpose.
• Deeply Understand the Graded Period: Ask specific questions: How long is the graded period (2 or 3 years)? What exactly is paid out for non-accidental death during this time (return of premium plus what interest rate)? What constitutes an “accidental” death according to the policy?
• Verify Carrier Financial Strength: Choose an insurer with strong financial ratings (e.g., A.M. Best ‘A’ or higher). This provides confidence that the company will be financially stable and able to pay the claim decades down the road.
• Read the Policy Details (or Have Them Explained): Understand any fees, payment options, grace periods for missed payments, and the process for beneficiaries to file a claim.
• Work With an Independent Agent or Broker: This is arguably the most efficient tip. An independent agent, like those at Insurance By Heroes, represents multiple insurance companies. They can compare options impartially, explain the differences between policies from various carriers, and help you find the most competitive rate and suitable terms for your specific situation without bias towards one company. They do the shopping for you.

Shopping smartly means being informed, comparing options thoroughly, and ensuring the policy you choose aligns with your needs and budget while providing reliable protection from a reputable company.

Insurance By Heroes: Your Partner in Finding the Right Coverage

Choosing the right life insurance, especially when navigating options like guaranteed issue, can feel overwhelming. At Insurance By Heroes, we strive to simplify this process and provide guidance you can trust.

Our agency wasn’t founded like most others. It was established by a former first responder and military spouse, individuals who understand firsthand the importance of dependable protection and service to the community. This ethos is shared by our team of licensed professionals, many of whom also come from backgrounds dedicated to public service.

What does this mean for you?

• We Are Independent: Insurance By Heroes works for YOU, not for any single insurance company. Our loyalty is to our clients. We provide objective advice tailored to your best interests.
• We Shop the Market Extensively: We have established relationships with dozens of the nation’s top-rated life insurance carriers, including those specializing in guaranteed issue and final expense insurance. This broad access allows us to compare a wide array of products and find truly competitive pricing.
• We Tailor Solutions: We know that “cheapest” is relative and often not the only factor. We take the time to understand your specific needs, budget, and health situation (even if it means exploring options beyond guaranteed issue). We aim to find the policy that offers the best overall *value* and security for your unique circumstances, recognizing that one size rarely fits all in insurance.
• We Simplify the Process: Forget spending hours calling different companies or navigating confusing websites. You make one call or fill out one form with us, and we handle the complex task of gathering quotes, comparing policy features (like graded benefits), and presenting the best options in a clear, easy-to-understand format.
• We Are Committed to Service: Our background instills a deep commitment to helping people protect their families. We provide transparent explanations, answer your questions patiently, and guide you through the application process.

Whether you need affordable guaranteed life insurance, burial insurance, final expense coverage, or want to explore if other options might be available, Insurance By Heroes is here to help navigate the choices.

Get Your Personalized Guaranteed Life Insurance Quote Today

Securing peace of mind for yourself and your loved ones doesn’t have to be complicated or stressful. Finding affordable guaranteed life insurance tailored to your specific needs is achievable, especially with the right partner guiding you.

Take the next step towards protecting your family from final expense burdens. Fill out the simple quote form on this page right now. There’s no obligation, and the process is quick and easy.

Let the experienced team at Insurance By Heroes put their knowledge and extensive network of carriers to work for you. Our professionals, grounded in a commitment to service learned through roles protecting the community, will compare options from dozens of trusted insurers to find the most affordable and suitable guaranteed life insurance available for you in 2025. Don’t wait – rates may increase with age. Secure your peace of mind and protect your legacy today.