Affordable Life Insurance Protection for Your Family

Guaranteed Acceptance Life Insurance In California

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  • Guaranteed Approval up to Age 85
  • Up to $25,000 in Coverage
  • No Health Exam No Health Questions Asked


Can I Buy Guaranteed Acceptance Life Insurance in California?


Yes, whether you live in Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, or anywhere else in the state of California, you may purchase guaranteed issue life insurance coverage.

You have several options to choose from in purchasing guaranteed life insurance in California, including buying coverage over the internet, calling a life insurance carrier direct, or contacting an insurance agent in your area to request information and a free price quote for your policy.

Life insurance with guaranteed approval is available to all citizens of California who meet the age requirements for approval. There may be some age restrictions which vary by insurance carrier.

However, several life insurers offer guaranteed issue plans for people between the ages of 45 to 80. Some of the leading providers of guaranteed policies include United of Omaha, Met Life, Gerber, AIG and AAA, among others.

If you are looking for California guaranteed approval life insurance coverage then you should know what your options are. Guaranteed insurance is basic life insurance coverage that is typically used to pay for funeral, burial and end of life expenses. It can also be used for other expenses such as taxes, probate fees, and other final bills that are left behind. However, the beneficiary of your life insurance policy can spend the death benefit payout any way they choose.


What is Guaranteed Acceptance Life Insurance?


Guaranteed acceptance life insurance is a type of life insurance plan that guarantees that everyone who applies for a policy will be accepted, regardless of their current health or any pre-existing medical conditions.

Guaranteed-issue life insurance is a policy that provides death benefits to a beneficiary upon the death of the person who is insured by the policy. The insurance company will offer this policy to any applicant regardless of his or her past or present health issues.


You are Guaranteed Coverage If You:

  • Meet Age Requirements for Approval
  • Live in a State where the Insurance Company is Licensed and Offers the Plan
  • Can Pay the Premiums Required


Yes, you can buy a guaranteed life insurance plan for your spouse, too.


Features of Guaranteed Approval Life Insurance


  • No Medical Examination Required
  • No Health Questions Asked
  • Up to $25,000 of Life Insurance Coverage
  • Guaranteed Acceptance for People Ages 45 to 85 – Varies by Insurer
  • Guaranteed spousal acceptance for applicants aged 45 to 85
  • Lifetime benefits catered to your individual needs
  • Benefits that will never decrease regardless of changes to your age or health
  • Affordable premiums that never increase regardless of changes to your age or health
  • Builds a cash value that can be borrowed from in the future
  • Available in almost every state and DC


Leading Life Insurance Carriers offering Guaranteed Policies


United of Omaha

  • Up to $25,000 of coverage age 45-85 in most states
  • No physical exam and no health questions asked
  • Guaranteed Acceptance
  • 60 day money-back guarantee.
  • Two year limited benefit period


Gerber Life

  • Up to $25,000 of coverage age 50-80 in all states except Montana
  • No doctor exam and no medical questions
  • Guaranteed Approval
  • Two year limited benefit period


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.


AARP/NewYork Life

  • Up to $15,000 permanent group life insurance
  • Exclusively for AARP members
  • No medical exam and no health questions
  • Two year limited benefit period


Colonial Penn

  • Exclusively for ages 50 - 85 (most states)
  • You cannot be turned down because of your health
  • There are no health questions asked and no physicals to take
  • Two year limited benefit period


Pros and Cons of Guaranteed Issue Life Insurance


Advantages

  • No Doctor Exam Required
  • Easy to Get Insured
  • No Health Questions Asked
  • Quick Approval and Coverage


Disadvantages

  • Limited Amount of Life Insurance Available
  • Higher Rates than Regular Life Insurance Policies


Who is Guaranteed Life Coverage Best Suited For?

In some cases, people who would be turned down for life insurance are those who have serious health issues. These people do have an option because there are life insurance companies that will write a guaranteed life insurance policy for them. 

These insurance policies do not require that applicants take a health exam. Anyone in any situation can apply for this type of life insurance coverage, and they are guaranteed to receive a policy.


A guaranteed issue policy is a good option for people looking for life insurance who have been in the following situations:

  • They are obese or a heavy smoker
  • They have had a heart attack recently
  • Their medical conditions are serious but not terminal
  • They have received a diagnosis of a serious medical condition
  • They have been denied for coverage by other life insurance companies


When to Choose Guaranteed Life Insurance?

If you have a health condition, preventing you from getting insured for other types of life insurance policies.


California Guaranteed Acceptance Life Insurance Quotes


Top Pick – United of Omaha

United of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $3,000 up to $25,000 of coverage. Rates start as low as $8.80 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


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. 


Help protect your family’s financial future.

A Guaranteed Acceptance policy can ensure your family’s well-being by providing them with financial security when you are no longer able to.

A whole life insurance policy can be used to pay for final expenses, to leave an inheritance, fund a college savings plan, or provide money to your family for any debts or medical bills that you may leave behind.


Frequently Asked Questions

What is Guaranteed Issue Life Insurance?


Guaranteed issue life insurance provides life insurance coverage to applicants with health or lifestyle issues that may prevent them from qualifying for a traditional term or whole life insurance policy with a medical screening.


Do I Need a Health Exam to Qualify for Coverage?


No, you will not need to complete a medical exam to qualify for a Guaranteed Acceptance policy.


Will My Rates Ever Increase in the Future?


No, your life insurance premiums will never increase, regardless of any changes to your age, health, or lifestyle.


How Much Life Insurance Coverage Can I Buy?


A Guaranteed Acceptance policy usually offers up to $25,000 of coverage to applicants between the ages of 45 to 85 (Ages vary by insurance company).


Can My Life Insurance Company Cancel My Policy for Any Reason?


The life insurance company cannot cancel your life insurance policy for any reason if your premiums are paid, regardless of any health or lifestyle changes. If you decide to cancel your policy, you can do so at any time without penalties or fees.


What Do I Need to Know Before Buying a Life Insurance Policy?


Before shopping for life insurance, we recommend reviewing your coverage needs and your budget to determine how much life insurance you can afford. Keeping your policy affordable could prevent you from falling behind on premium payments and losing your insurance in the future.


How Much Life Insurance Do I Need?


Everyone’s need for life insurance is different and some people need more life insurance protection than others. Guaranteed issue policies are not designed to provide a replacement income, they were created to leave money behind for final expenses and burial costs.


Who Should I List as My Beneficiary?


A life insurance policy’s beneficiary can be an individual(s), a trust, a business, a charity, or an estate. The beneficiary listed on your life insurance policy will receive the death benefit from your insurance policy when you die.


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Guaranteed Acceptance Life Insurance in California


Disclosure: Compensated Affiliate