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A guarantee issue disability insurance policy is a contract where your acceptance is not in question. That is, the policy will not be medically underwritten. If you have pre-existing conditions, it's a great option.
Typically, to cover the excess risk, the rate would tend to be higher for these types of policies vs. underwritten plans. However. often benefits are very rich compared to many other options.
Guaranteed issue can be based on group benefits or a multi life census. There’s also high limit guaranteed issue beyond the traditional limits of group LTD. Generally group benefits are short term disability insurance. It’s important to have disability insurance, so these are significant opportunities to secure guaranteed coverage, especially if you have pre-existing health conditions.
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Typically, to cover the excess risk, the rate would tend to be higher for these types of policies vs. underwritten plans. However. often benefits are very rich compared to many other options.