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@easternpresent Yes it does, but buying guarantee life insurance is not worth it unless you are really old, I don’t how old is OP’s Husband but they are more lenient with simplified life insurance is worth it to give a shot. Unless Op wants to buy a bunch of 25k life insurance that round about...

@derpytia Everyone here saying guarantee acceptance, maybe simplified underwriting? The offer bigger death benefits plus guarantee life insurance is super expensive