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Guaranteed issue life insurance is touted in advertising as the easy way, mostly for those over 50, to get a final expense life insurance policy. From one ad I saw it sums up what they would like you to believe, “Policies are often geared toward the elderly, since most conventional policies require higher premiums due to medical conditions.” While guaranteed issue policies have a legitimate purpose in some situations, the insinuation that it is the right choice for the elderly due to higher prices and medical conditions is not true in most cases. Want more details?