Guaranteed Issue Whole Life (GIWL) offers real, lifetime protection with:

Guaranteed coverage for life—no expiration.

Cash value that grows over time and can be used while you’re alive.

Locked-in premiums that never go up.

A guaranteed death benefit—your loved ones are protected, no matter when.

No health questions, no medical exams, and coverage starts in just 1 day.

Term & AD&D policies can seem cheaper, but often leave gaps:

Coverage ends after a term—if you outlive it, you're uninsured.

Renewals can become expensive or denied entirely.

AD&D pays only for accidental deaths, not from illness, which accounts for 90% of deaths.

Bottom line: Term and AD&D = renting insurance.

GIWL = owning peace of mind for life.

A graded death benefit plan limits or reduces the payout if the insured passes away during the first 2–3 years of the policy. Here's how it works:

If death occurs in year 1 or 2, the policy pays only the premiums paid + interest (e.g., 10%).

After the graded period ends, the full death benefit becomes payable.

This ensures your loved ones are protected, without needing to qualify medically.

To qualify, you must meet three simple criteria:

Actively working at least 20 hours/week for wage or profit (includes full-time, part-time, gig work, self-employed, side hustles, babysitting—basically any income-producing activity).

Not diagnosed as terminally ill with under 12 months to live.

Be between the ages of 18 and 70.

That’s it. No height, weight, prescription, or MIB checks.

We keep it simple. Spouse includes:

Legally married partners

Common-law partners

Same-sex spouses

Domestic partners

If you say they're your spouse, they are. We’re here to protect families, not act as gatekeepers.

Each time you make a payment, a portion of it goes into a cash value account that grows over time. You can borrow from it, use it to help pay premiums later in life, or withdraw it if needed. It’s your money—available while you’re still alive.

Guaranteed Issue means you’re approved—no health questions, no medical exams, and no denials based on age, weight, or prescriptions. Most traditional plans require full underwriting and can turn you down.

No. Unlike many guaranteed issue policies, coverage with us starts in just 1 day. No long waiting period. You’re protected almost immediately.

If you become seriously ill or can’t perform daily tasks (like bathing or dressing), your full death benefit can be paid directly to you, tax-free. Use it for long-term care, medical bills, or income replacement—it’s yours.

This plan is backed by Allstate Benefits, an A+ rated carrier trusted by millions. It’s real, it’s regulated, and you can verify your coverage directly through your client portal once approved

We honor your relationship—whether married, common-law, domestic partners, or same-sex couples. If they’re part of your household and your heart, they can be covered.

Your policy has a grace period and built-in cash value that may help cover missed payments. We’ll work with you to help keep your protection in place.

It depends on your age and the coverage amount you choose. You’ll never be upsold—we show you exactly what your price is before you decide.

All plans included a Long Term Care Rider, aka: Living Benefits Rider.

If you’re unable to perform two of the nine activities of daily living for 90 consecutive days, Allstate will pay you 100% of your policy’s death benefit, giving you funds to use however you need.

The 9 Activities of Daily Living (ADL's) are as follows

1️⃣ Bathing – Washing yourself in a tub, shower, or by sponge bath.

2️⃣ Dressing – Putting on and taking off clothing, including fasteners like buttons or zippers.

3️⃣ Toileting – Getting to and from the toilet, using it, and cleaning yourself afterward.

4️⃣ Transferring – Moving in or out of a bed, chair, or wheelchair.

5️⃣ Continence – Controlling bladder and bowel function or managing incontinence products.

6️⃣ Eating – Feeding yourself by getting food from a plate into your mouth.

7️⃣ Walking/Mobility – Moving safely and independently from one place to another.

8️⃣ Personal Hygiene – Grooming tasks like brushing teeth, combing hair, or shaving.

9️⃣ Managing Medications – Taking prescribed drugs correctly without assistance.