What is the role of medical underwriting in guaranteed issue insurance?

Guaranteed issue insurance is a type of policy that does not require medical underwriting to determine eligibility for coverage. However, assessing the individual's health is typically not part of this process because guaranteed issue policies are designed to provide coverage to everyone, regardless of their health conditions.

In this specific context, while medical underwriting is usually about evaluating applicants' health to determine eligibility and set premium rates, guaranteed issue policies differ by allowing applicants to qualify without such evaluations. Thus, the role of medical underwriting is effectively non-existent in guaranteed issue insurance, aligning with the context that such a policy is meant to avoid health-related exclusions.

The answer provided emphasizes that while medical underwriting generally assesses health to establish eligibility, in the context of guaranteed issue insurance, this evaluation is not pertinent because everyone qualifies regardless of their health status.