A previous decline does not have to end the conversation.

Marquita offers guaranteed issue options through Corebridge Financial (formerly associated with AIG) and CICA. Age, state, coverage limits and other eligibility rules still apply. We will identify the exact product and issuing insurer available to you.

A condition such as cancer, a history of heart attack or stroke, or HIV/AIDS does not automatically mean every other policy will decline you. We can discuss whether another coverage option is available alongside guaranteed issue.

Understand the first two years

Guaranteed issue policies can have a graded death benefit. For Corebridge’s Guaranteed Issue Whole Life, the limited benefit in the first two policy years is generally 110% of premiums paid for death from sickness or natural causes, rather than the full coverage amount. Policy exceptions, including accidental death and suicide provisions, must be reviewed in the actual contract.

CICA’s guaranteed issue option also has a graded benefit period. Before applying, Marquita will show you the exact benefit schedule and exclusions for the policy offered in your state. Do not assume every CICA policy uses the same terms.

After the graded period, the policy’s full death benefit applies according to its terms while coverage remains in force.

Carrier details: Corebridge final expense information. The issued contract governs benefits.

What happens next?

Share your interest through the client consultation form. Marquita will follow up to arrange a conversation about your questions, coverage and budget. You can learn about your options before deciding.