What is Guaranteed Issue Life Insurance?

Guaranteed issue life insurance is a type of whole life policy that guarantees acceptance — no matter your health, age, or medical history. If you’re a senior in Richmond, VA who’s been declined before or living with a chronic condition like diabetes or heart disease, this plan ensures you’re still protected.

I’m David Lewis Jr, your local Kemper Life Insurance Agent. I specialize in helping Richmond seniors find affordable, guaranteed coverage so they can take care of their families without the hassle of exams or long paperwork.

Who Benefits from Guaranteed Issue Coverage?

• Seniors with existing health issues who were declined for other policies
• Diabetics, heart patients, or those managing chronic illnesses
• Individuals seeking peace of mind for final expenses and family protection
• Anyone who wants simple, lifetime coverage without medical exams

Why Richmond Seniors Choose David Lewis Jr

• 100% Guaranteed Approval — no matter your health
• Local, personal guidance from a trusted Richmond agent
• Fast and easy process — coverage can begin in days
• Backed by Kemper Life, serving families for over 100 years

Every Richmond senior deserves to leave behind peace — not stress or debt. Guaranteed issue life insurance ensures your loved ones have the financial support they need when it matters most.

How the Policy Works

Guaranteed issue policies typically offer up to $25,000 in coverage with no medical exams and no health questions. You’ll never be denied based on health history, and your rates are locked in for life.

After a short waiting period, your policy pays full benefits for natural or accidental death — helping cover funeral costs, medical bills, and final expenses so your family isn’t burdened.

Get a Free Guaranteed Issue Quote

Fill out the form below or call me directly at (804) 551-9526 to learn about your guaranteed acceptance options.