Affordable Life Insurance Protection for Your Family

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How to Buy Life Insurance with Guaranteed Acceptance

Do You Want To Buy Guaranteed Approval Life Insurance?

Buy Guaranteed Approval Life Insurance

Embarking on the journey of acquiring life insurance is made simpler and more reassuring with guaranteed approval life insurance.

This specialized policy ensures acceptance without the need for a medical examination or health questions, catering specifically to seniors.

It provides coverage for crucial final expenses such as funeral costs, medical bills, and outstanding debts. While premiums may be higher due to the increased risk associated with older age, the policy offers peace of mind, knowing that beneficiaries will receive a death benefit.

Our review of guaranteed approval coverage aims to guide individuals through the process of making an informed decision about coverage in their later years.

A Guide to Buying Guaranteed Approval Life Insurance

Jump Ahead To These Sections:

What is Guaranteed Approval Life Insurance?

Review of Top Guaranteed Issue Life Insurance Companies

Learn About Terms and Conditions of Guaranteed Policies

Get a Free Price Quote for Guaranteed Life Insurance

How to Purchase a Guaranteed Approval Life Insurance Policy

Life insurance is a significant tool to protect loved ones financially after one's passing. However, obtaining it could be a challenge, especially for those aged between 45 to 85 with serious health conditions.

That's where guaranteed approval life insurance comes in handy.

Guaranteed Approval Life Insurance Explained

As the name indicates, guaranteed approval life insurance doesn't require a medical examination or extensive qualifications. It offers guaranteed acceptance for anyone falling under its age bracket (Ages 45-85), regardless of health history or conditions. Get a FREE Quote.

This comprehensive article aims to provide critical information about guaranteed approval life insurance, focusing on error-proof options and affordable solutions for those turned down elsewhere due to age or health concerns. 

Guaranteed Life Insurance Company Reviews

Let's navigate through the insurance landscape focusing on Mutual of Omaha, MetLife, and Gerber Life, which appear as the most sought-after providers of guaranteed life insurance.

Let's start with Mutual of Omaha, a company that has impressively balanced its business over 100 years demonstrating solid financial strength. Rated A+ (Superior) by AM Best, it is capable of fulfilling its financial obligations towards policyholders.

Beyond financial strength, Mutual of Omaha's hallmark remains its cordial customer service. The company offers guaranteed issue life insurance for people aged 45-85, with maximum coverage of $25,000 and standard rates for a 65-year-old male estimated at $54.97 per month for $10,000 coverage.

Mutual of Omaha

  • Up to $25,000 of coverage.
  • No physical exam and no health questions asked.
  • Guaranteed Acceptance ages 45-85 (50-75 in NY).
  • 30 day money-back guarantee.
  • Two year limited benefit period

Next is MetLife, another great company with an A+ rating from AM Best. Despite their decades-long existence in the sector, they are at par with the latest insurance trends and client needs. MetLife provides guaranteed acceptance life insurance between the ages of 50-75, offering maximum policy benefits of $20,000. For a 65-year-old male seeking $10,000 coverage, the typical rate is $71.25 per month.

Met Life

  • Rates as low as $10 per month.
  • Guaranteed Issue for ages 45-75.
  • Up to $20,000 of coverage available.
  • No medical examination required.
  • Two year limited benefit period.

Last, but not least, is Gerber Life, well-known for its commitment to delivering high-quality insurance protection. Catering for senior customers between 50 and 80 years old, their guaranteed life insurance can go as high as $15,000. A 65-year-old male can expect to pay about $44.09 monthly for $10,000 coverage.

Gerber Life

  • Coverage Amount: Up to $25,000.
  • No Medical Exam.
  • 30 day Money-back Guarantee.
  • A.M. Best financial strength rating: "A" (Excellent).
  • Available for Ages: 50-80.
  • Available in All States and DC excluding Montana.

Important Terms and Conditions of Guaranteed Policies

While these guaranteed approval life insurance policies may sound simple and straightforward, understanding specific terms and conditions remains crucial.

A prevalent condition among most insurers is the Graded Benefit, which means there is a two-year waiting period before you have 100% full benefits. This means if the insured person passes away within the first two years of being insured by the policy (unless through accident), the beneficiaries will receive a limited payout compared to the full coverage.

Usually, the payout for death occurring within the first 2 years if being insured would be all premiums paid plus interest, or a percentage of the total death benefit on the policy.

Once you have been insured by the policy for 2 years, if you were to pass away, the full death benefit is paid out to the beneficiary of your policy. You choose the beneficiary.

The graded death benefit is how the insurance company can insure people who may not otherwise be able to get approved to purchase standard life insurance policies through other insurers, due to their age or health issues.

How to Get a Price Quote for Guaranteed Coverage

How Can You Get a Premium Quote for a Guaranteed Accepted Life Insurance Policy? 

Most insurance providers offer an online platform where you can input necessary details such as your age, gender, tobacco use, state of residence, and desired amount of coverage. Upon submission, you will get an estimated premium quote.

It’s as simple as answering several easy questions and clicking on a button.

Request a FREE Quote Now

NOTE: Your price for a guaranteed approval life insurance policy depends on the policy type, gender, age, health, tobacco usage (if any), and coverage amount.

How to Buy a Guaranteed Approval Insurance Policy

Once you receive your free price quote, the next step is to apply for and purchase the policy.

You simply request an application after receiving your free quote for coverage.

You will fill in your details in the application form. Once the insurance carrier reviews and accepts the application, the coverage will begin subject to the terms and conditions of the policy.

Since approval is guaranteed if you meet the age requirement, the approval process is much shorter than for standard life insurance policies.

Remember, in the realm of guaranteed approval life insurance, you are not turned down due to health issues. This pivotal feature makes it a lifeline, especially for those with severe health conditions seeking peace of mind.

Guaranteed Coverage to Meet Your Life Insurance Needs

Now, you have an overview of guaranteed approval life insurance. The purpose is to hand you the power to make an informed decision and encourage you not to put off this critical matter. Life is unpredictable, and securing protection for your loved ones shouldn’t be delayed.

When reading "guaranteed approval life insurance reviews", you may notice recurring praise for the certainty these policies offer, especially for those with pre-existing conditions.

If you need to dive deeper into costs, "guaranteed approval life insurance quotes" might aid in reshaping your purchase decision.

Usually, those in need of this type of policy are seniors, retirees, those with serious health issues like cancer, COPD, diabetes, emphysema, and people living on a fixed income.

If your circumstances fit the criteria, this could be the financial security blanket you’ve been searching for.

In reviewing our top contenders, Mutual of Omaha, MetLife, and Gerber Life, they are top-rated, and reputable life insurance companies dedicated to putting customer needs first.


In conclusion, the process of buying guaranteed approval life insurance isn't complicated. By following the guidelines mentioned and choosing a reliable insurer, you can overcome the hurdles of approval.

Guaranteed approval life insurance offers a layer of protection and peace of mind to those who might otherwise be considered uninsurable.

It waives off the traditional requirements like physical examinations and any in-depth scrutiny of medical records, making room for fast and easy approval.

Lastly, remember that the best time to buy life insurance is right now. The sooner you purchase, the more affordable it will likely be.

So, don't hesitate. Obtain your free quote for guaranteed approval life insurance and take that step towards providing a secure financial future for your family today.

Guaranteed Approval Life Insurance Quotes

Top Pick – Mutual of Omaha

Mutual of Omaha offers guaranteed acceptance whole life insurance for people ages 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. Start Here to get a FREE Quote

  • Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee

Highly Recommended – Gerber Life

Gerber Life offers guaranteed issue life insurance for people ages 50 to 80. Choose $3,000 up to $25,000 of coverage. Rates start as low as $17.69 per month. There’s no medical exam and no health questions. You cannot be turned down. Get a FREE Quote.

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Disclosure: Compensated Affiliate