Affordable Life Insurance Protection for Your Family

Guaranteed Acceptance Life Insurance Company

How to Find the Best Guaranteed Acceptance Life Insurance Company

Are You Searching for a Guaranteed Acceptance Life Insurance Company?

If so, you may want to understand how guaranteed issue life insurance works and then review important factors to consider when buying a guaranteed life policy.

Guaranteed approval life insurance is life insurance that you can apply for without being turned down. If you meet the age requirements you are guaranteed coverage, as long as you can pay the premiums.

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What are Important Factors to Consider When Buying a Guaranteed Issue Life Insurance Policy?

Since guaranteed plans insure anyone who applies and meets the age restrictions, there are some limitations, including higher prices, lower amounts of life insurance, and limited death benefits the first 2-3 years you are insured.


  • Age Restrictions – People age 50 to 75, or age 45 to 85 are guaranteed acceptance, depending on the insurance company age limitations.
  • Pricing – Rates vary by insurer, but the cost is much higher than for people who present an average of healthy risk.
  • Amount of Coverage – Coverage amounts available will vary by insurer, and some plans offer $2,000 up to $20,000 of life insurance.
  • Graded Benefits – There is a graded death benefit paid out the first 2 years you are insured. You will not have full coverage until you are insured for at least 2 years.
  • Rate Guarantee – The length of time your rate is guaranteed to remain the same may vary from 5 to 10 years, or longer.
  • Coverage Guarantee – Coverage for guaranteed plans may be term life, which is temporary for a set number of years, but many are permanent life insurance that is guaranteed to last your entire lifetime.


What Companies offer Guaranteed Approval Life Insurance Plans?

There are several highly-rated insurance companies offering guaranteed policies, including Met Life, AARP/NewYork Life, Colonial Penn, Mutual of Omaha and Gerber Life, among others.

Each life insurer offers different rates and coverage amounts, and the graded benefit may vary from 2 to 3 years depending on the company.


Guaranteed Acceptance 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

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