What is a Guarantee Issue limit?
A Guarantee Issue (GI) limit is the largest amount of insurance an eligible person can enroll in without having to submit evidence of insurability. GI limits, when available, are generally offered at initial enrollment or when an employee is enrolling at first opportunity. An enrollment form containing medical questions will need to be completed by persons seeking a coverage amount greater than your group’s GI limit. AICK evaluates the enrollee’s health information to determine whether or not to approve the insurance exceeding the GI limit.
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