Affordable Life Insurance Protection for Your Family

Buy Guaranteed Issue Life Insurance Under 50

Buy Guaranteed Issue Life Insurance Under 50

Every responsible person has a desire to offer their loved ones financial protection, especially when life presents unpredictability.

Guaranteed issue life insurance offers a lifeline to individuals who fear being uninsured or underinsured because of current health issues. This is particularly true for individuals under 50, who may be facing a serious health problem, but do not yet own life insurance to protect for their loved ones.

Guide to Buying Guaranteed Issue Life Insurance Under 50

Jump Ahead To These Sections:

What is Guaranteed Issue Life Insurance?

Reasons to Buy Guaranteed Issue Life Insurance

Pros and Cons of Guaranteed Life Insurance

Guaranteed Issue Life Insurance Companies

Limitations of Guaranteed Life Insurance

Benefits of Guaranteed Life Insurance

How Much Does Guaranteed Issue Life Insurance Cost

How to Buy Guaranteed Issue Life Insurance

Is Guaranteed Issue Life Insurance the Right Choice for You?

Guaranteed Issue Life Insurance Explained

Guaranteed life insurance is a form of permanent lifetime life insurance protection that eliminates the need for health inquiries, medical examinations, or the scrutiny of your medical and prescription history.

Commonly referred to as guaranteed issue life or guaranteed acceptance life insurance, this option is particularly suitable for seniors or individuals facing significant medical conditions or terminal illnesses. While ensuring guaranteed approval, it comes at the cost of higher premiums for reduced coverage compared to standard life insurance plans.

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Reasons to Buy Guaranteed Issue Life Insurance

People under 50 decide to purchase guaranteed issue life insurance for a variety of reasons.

Firstly, it is perfectly suited for individuals who have been turned down for traditional life insurance because of health issues.

Secondly, it is a viable choice for those who want a simplified application process, since no health examination is required, and no medical questions are asked. This makes the approval process much easier and faster.

Lastly, it is ideal for those on a limited budget but still wishing to provide financial protection for their loved ones.

Pros and Cons of Guaranteed Life Insurance

Pros and cons are inherent in all decisions, including choosing guaranteed issue life insurance.


On the pro side, individuals under 50 with significant health problems can still get coverage.

Also, the application process is straightforward, with easy approval and no physical examination or health questions. Moreover, payments are level, meaning the costs will never increase.


Conversely, on the con side, coverage is limited to $25,000, which may not be sufficient for all needs. Further, the premiums are more expensive compared to other types of life insurance policies, since the insurer is taking on more risk because they may accept those with health issues who may have a shorter life expectancy.

Also, if the insured dies within two years of getting the policy from a non-accidental death, beneficiaries may only receive a portion of the death benefit. This is how the insurance company is able to insure higher risk applicants who may not otherwise be able to get insured for life insurance.

Leading Providers of Guaranteed Life Insurance Under 50

Leading providers of guaranteed issue life insurance for people under fifty years old include Mutual of Omaha and Met Life.

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.

Mutual of Omaha offers a simple application process with premium-level rates and coverage ranging from $2,000 to $25,000.

Mutual of Omaha

  • Up to $25,000 of coverage.
  • Rates as low as $8.84 per month.
  • 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.

MetLife is 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, regardless of health condition.

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.

Limitations of Guaranteed Life Insurance

Coverage limitations commonly associated with guaranteed issue life insurance include graded death benefits.

This means that if the policyholder passes away from natural causes during the first two years of being insured, the insurer usually only pays out the premiums he/she paid plus interest. Thus, full coverage is not instantly available.

Additionally, there can be a waiting period before the policy becomes effective.

Benefits of Guaranteed Life Insurance

On the brighter side, guaranteed issue life insurance provides coveted benefits such as hassle-free application, no delay in coverage, no physical examinations, and easy approval even for those considered "Uninsurable".

The maximum amount of coverage is generally $25,000, providing a peace of mind knowing that this support can help alleviate burial and funeral costs for loved ones.

Cost of Guaranteed Issue Life Insurance

Pricing may be a very important factor in your decision to get guaranteed coverage.

Whether you are on a budget, or just looking to get affordable protection, keep in mind, pricing for guaranteed issue plans is usually higher than for standard policies.

Sample rates for a 45-year-old male non-smoker for $10,000 of coverage from Mutual of Omaha may be around $44.45 per month.

In contrast, for a 45-year-old female non-smoker, the rate could be approximately $35.34 a month. These rates are subject to change and may vary depending on the provider.

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 questions and clicking on a button.

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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 Guaranteed Issue Life Insurance

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 or age. This pivotal feature makes it a lifeline, especially for those with severe health conditions seeking peace of mind. Request a free quote.

Is Guaranteed Issue Life Insurance the Right Choice for You?

If you're under 50 and worried about your insurability due to health conditions, guaranteed issue life insurance could be a perfect fit. It's a solid solution for providing financial protection and securing the peace of mind essential for life's unpredictable moments.

Consider this: you will not be turned down for health reasons, the application process is easy, and approval is almost immediate. Not only that, but with coverage available for spouses and level premiums that won't increase, your loved ones will have the financial security they need when they need it most.

You deserve insurance that doesn't discriminate based on health issues. And no matter your current circumstance, you have the right to choose a plan that works best for you. Guaranteed issue life insurance under 50 offers just that — a promise of coverage, regardless of your health status.

With Mutual of Omaha or MetLife, you're choosing from financially secure insurance companies dedicated to delivering peace of mind. The process to obtaining a quote is free, straightforward, and convenient. Start Your FREE Quote now.

So Why Wait When Your Approval is Guaranteed?

Remove the worry of being a financial burden to your loved ones. Unburden yourself from the thought of final expenses and afford yourself the peace of fulfilling your responsibilities. More than a policy, it's a guarantee of protection for your loved ones.

Yes, you may have been turned down before. Yes, you may be battling health problems. But none of these should stop you from safeguarding your loved ones' future. Your path to life insurance doesn't have to stop at a "No". With guaranteed issue life insurance, you can bravely face the "Yes".

Whatever your budget, whatever your health condition, making the decision to get life insurance speaks volumes about the foresight you have for your loved ones' welfare. Remember, the best time to purchase life insurance is always "Now".

Guaranteed issue life insurance may not be the only product out there. But for individuals under 50 with serious health conditions, it's a lifeline that's worth a serious look. Remember, the path to securing financial peace for your loved ones all starts with a click for a free quote.

Insurance is about providing, protecting, and peace. It's about knowing your loved ones will be okay even if the worst occurs. And yes, it's about making sure that peace of mind doesn't come at the cost of your health.

Guaranteed issue life insurance under 50 is more than just a policy—it's a promise that regardless of your current circumstance, you can still provide your loved ones the protection they need.

Take that step today—not just for you, but for the peace of mind and security of those you hold dear. Start your journey with a free quote today.

After all, isn't peace of mind the greatest gift you can give?

Guaranteed Issue Life Insurance Quotes

Top Pick – Mutual of Omaha

Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 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

What Makes You Uninsurable for Life Insurance?

Buy Guaranteed Issue Life Insurance Under 50

Guaranteed Issue Life Insurance Under 50

Guaranteed Life Insurance for 45 Plus

Disclosure: Compensated Affiliate