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Guaranteed Simplified Issue (GSI) insurance policies provide an easy, streamlined way to secure life or disability insurance without the need for extensive medical exams or complex underwriting. These policies are designed for individuals seeking quick, straightforward coverage, particularly those who might face challenges qualifying for traditional insurance policies.
With a GSI policy, the application process involves answering a few basic health questions rather than undergoing full medical underwriting. Approval is often guaranteed for those who meet the basic qualifications, making these policies ideal for people with pre-existing health conditions or those seeking fast coverage.
GSI policies are commonly offered as part of employer-sponsored plans or individual policies designed for specific groups. Coverage limits may vary, but the process is faster and more accessible than traditional insurance.
Fast and Easy Approval - No need for medical exams or lengthy underwriting processes—coverage is typically approved within days, making GSI policies a great option for immediate protection.
Access for Those with Pre-Existing Conditions - Traditional policies may deny coverage due to health issues, but GSI policies offer a guaranteed solution for individuals who might otherwise struggle to qualify.
Affordable Group Rates - Many GSI policies are offered through employers or associations, providing competitive group rates that are often more affordable than individually underwritten policies.
Comprehensive Market Access
We work with multiple insurance providers to find the best guaranteed simplified issue policies tailored to your needs, ensuring the right fit for you or your team.
Clear and Simple Guidance
Advocacy for Competitive Rates
Group Size: 22 Employees
Coverage: $250,000 per employee of permanent life insurance, no medical exam required
Additional Benefit: These policies each included a long-term care insurance rider, which is not generally an option for group benefits in the State of California.
We worked with a mid-sized company to secure a GSI group life insurance plan for its employees. With no health exams required, the plan offered quick enrollment and comprehensive coverage, making it an attractive benefit for the workforce.
Group: 30 Employees with 25 of them that are high income earners
Policy Type: Individual Guaranteed Simplified Issue Disability Insurance
Coverage: Base Group Disability Coverage of 60% up to $8,000 per month per benefit per employee to SSNRA.
Excess coverage needed: Added GSI Disability to add up to another $7,500 per month in benefit for a combined maximum of $15,500 per month up to 75% of income instead of 60%.
By stacking these two types of group plans we are able to maximize the total coverage for each employee while keeping the costs reasonable compared to purchasing these plans as individuals. In addition to that, since this was “guaranteed issue” all members were enrolled without any underwriting.
Reach out today and let's build a plan around your goals.