Guaranteed-Issue Insurance Options Made Clear

Explore disability and life insurance programs designed for eligible medical professionals and government employees—with straightforward guidance on eligibility, benefit amounts, waiting periods, and policy limitations.

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What guaranteed issue means

A simpler path to qualifying—not unlimited coverage.

For a designated guaranteed-issue program, eligible applicants can obtain specified coverage without traditional medical underwriting. You may not need a medical exam or health questions for the guaranteed amount.

Important: Guaranteed issue does not mean every person, benefit amount, or claim is automatically covered. Eligibility, active-at-work requirements, state availability, effective dates, pre-existing-condition provisions, benefit limits, exclusions, and other policy terms still apply.

Choose your program

Coverage designed around your profession or employer type

MPBA

Medical Professionals Benefit Association

Disability income protection designed for eligible medical professionals, plus access to life and supplemental insurance options.

Explore MPBA benefits →

BASCME

State, County & Municipal Employees

Portable supplemental benefits for eligible public-sector employees, including disability and life insurance options.

Explore BASCME benefits →

FEBA

Federal, Postal & DC Employees

Programs designed to help address gaps in federal and postal benefits, including guaranteed-issue disability and life options for eligible applicants.

Explore FEBA benefits →

Independent guidance

Understand the program before you apply

SCC Insurance Group is an independent insurance agency contracted through Tower Insurance Services, Inc., an Insurance Master General Agency endorsed by FEBA, BASCME, and MPBA. Sebastian Cuadrado serves as an Approved Benefit Advisor for these programs.

Review eligibility and active-at-work rules

Compare benefit amounts and costs

Understand exclusions and waiting periods

Receive help through the application process

Three underwriting paths

Guaranteed Issue

No traditional medical underwriting for eligible applicants within the program’s guaranteed limits.

Simplified Issue

A shorter application with limited health questions and usually no medical exam, but approval is not guaranteed.

Fully Underwritten

A detailed review that may include health history, records, prescriptions, financial information, and an exam.

Compare all three options →

Find the program that fits your eligibility

Schedule a personal review with Sebastian to understand available benefits, limitations, and next steps.

Schedule a Benefits Review

SCC Insurance Group is an independent insurance agency and is not a government agency. Association membership or eligibility does not imply government or employer endorsement. Insurance products are subject to eligibility requirements, active-at-work provisions, state availability, policy terms, conditions, limitations, and exclusions. Guaranteed-issue availability applies only to designated products and benefit amounts. Coverage is issued by the insurance carrier identified in the applicable policy materials.