Affordable Life Insurance Protection for Your Family

Guaranteed Life Insurance Over 70

How to Buy Guaranteed Life Insurance for People Over Seventy

Guaranteed Life Insurance Over 70

Life insurance After 70? Absolutely!

Guaranteed life insurance for folks aged 70 and beyond is tailor-made for you. Forget about medical exams – you're in, no health questions asked.

Perfect for seniors dealing with health concerns. This coverage takes care of everything in the end – funeral expenses, medical bills, and debts. Yeah, the premiums might be a bit steeper because, well, age factors in. But here's the deal – it guarantees peace of mind, assuring your loved ones get that death benefit when the time comes.

A Guide to Buying Guaranteed Approval Life Insurance Over 70

Jump Ahead to These Sections:

Can I Get Guaranteed Life Insurance If I Am Over 70?

What is Guaranteed Life Insurance and How Does It Work?

What are The Best Guaranteed Life Insurance Companies?

How Much Guaranteed Life Insurance Can I Buy?

Guaranteed Life Insurance for People with COPD or Cancer

Can I Buy Guaranteed Life Insurance for My Spouse?

How Much Does Guaranteed Life Insurance Cost?

Benefits of a Guaranteed Life Insurance Policy

Frequently Asked Questions About Guaranteed Life Insurance

Guaranteed Life Insurance for Seniors over 70

Yes, you certainly may purchase a guaranteed issue life insurance policy over the age of seventy.

Guaranteed life insurance policies are available for people in the seventies regardless of their health status.

Even if you have been declined for a policy or are deemed uninsurable by life insurance carriers, you can be accepted for a guaranteed issue life insurance policy. Get a FREE Quote.

Guaranteed Life Insurance Explained

You might be thinking, What is "Guaranteed Life Insurance Over 70"?

It's a type of life insurance policy that offers fixed premiums and permanent lifetime policies.

While many companies cater to this demographic, a few guarantees coverage to anyone between the ages of 45 and 85, regardless of their health status.

The policy is considered "guaranteed" because it does not require you to take any medical exam or answer any health-related questions.

One of the main reasons seniors look for guaranteed life insurance is to keep their loved ones from bearing the burden of final expenses like burial and funeral costs. A guaranteed life insurance policy can help plan for these end of-life expenses and provide peace of mind to you and your family.

The Best Guaranteed Issue Life Insurance Companies

Now that we know what guaranteed life insurance over 70 is, let's go on a hunt for the best insurance companies offering these standouts for offering the best guaranteed issue life insurance for seniors over 70 include Mutual of Omaha, Met Life, and Colonial Penn.

Their plans stand out for a couple of reasons.

They offer a simple application process, competitive premiums, and claims are easy to file when needed.

The companies emphasis on customer service, making them highly rated by their policyholders.

Overview of Leading Guaranteed Life Insurance Carriers

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

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.

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

Amount of Guaranteed Issue Coverage Available

So, how much guaranteed life insurance over 70 can you buy? Most companies offer coverage ranging from a few thousand dollars up to $25,000.

But keep in mind, insurance payouts are tax-free to beneficiaries, making them especially valuable.

And, you may purchase a policy with guaranteed approval from more than one life insurer, if you need more protection.

Guaranteed Life Insurance for COPD or Cancer

What About Those with COPD or Cancer?

The good news is that guaranteed life insurance over 70 with COPD and even other significant health conditions is possible.

These policies do not require any medical examinations or health inquiries, which means you'll be accepted regardless of your pre-existing conditions. Get a FREE Quote.

One thing to remember is that these policies typically have a graded death benefit clause. This clause means that if, for non-accidental reasons, you pass away within a two years of the policy's start date, your beneficiaries may not receive the full benefit amount.

Guaranteed Approval Life Insurance for Your Spouse

Can You Buy Guaranteed Life Insurance for Your Spouse?

Yes! You can get a policy for your spouse, and one on yourself, too, if you want. It’s quick and easy, without any hassles of a medical exam.

In order to buy life insurance on someone else you need Insurable Interest in that person.

Don’t fret. If you’re married, you have an Insurable Interest in your spouse, so it’s OK to buy a life insurance policy on your better half.

But you may need their permission. Get a FREE Quote.

The Cost of Guaranteed Issue Life Insurance

So, How Do You Find Out How Much These Policies Cost?

The best way to determine the price of your policy is to request a guaranteed life insurance quote from reputable companies directly online now, or through a broker.

The price of a guaranteed life policy is based on several factors including: Your age, gender, tobacco use, and which state you live in.

Start Your Free Quote for Guaranteed Issue Life Insurance

The Benefits of Guaranteed Acceptance Life Insurance

Now, let's look into the benefits of these policies.

The first one is the lifetime coverage. As long as you pay your premiums, your coverage continues until your death, irrespective of how long you live.

Secondly, the premiums are level. Once your coverage is in place, the monthly or yearly premium will not increase, regardless of your age or health.

Thirdly, there is a cash value component. Over time, these policies build cash value at a guaranteed rate, which you can access during your lifetime.

That’s not all. Your beneficiaries receive the death benefit upon your passing tax-free. They can use it for anything, be it to cover your final expenses or maintain their standard of living.

Frequently Asked Questions about Guaranteed Life Insurance

Let's address a few frequently asked questions about guaranteed life insurance over 70.

Can I Be Turned Down for Guaranteed Life Insurance?

No, you can’t. Guaranteed life insurance is precisely that - guaranteed! Regardless of your health circumstances, you are able to get a policy.

If you meet the age requirement (45-85), your approval for coverage is guaranteed.

Do I Have to Take a Health Exam?

No! These policies do not require any medical examinations or health inquiries.

What If I Change My Mind?

Your guaranteed acceptance policy comes with a 30 day Free Look Period.

That means, you have 30 days from the time you receive your life insurance policy to review and request cancellation of your policy.

If you cancel your coverage within the Free Look Period, all of the premiums you paid will be returned to you. It's Risk-Free.

The Free Look Period is based on the state in which you live; however, Mutual of Omaha provides a 30 day money-back guarantee. 

Depending on the insurer and the state you live in, the Free Look Period can vary from 10 to 30 days, usually.


In conclusion, guaranteed life insurance over 70 offers peace of mind to seniors who worry about leaving their loved ones with the burden of end-of-life expenses. While it might not seem necessary at this stage, waiting could complicate things.

Make the decision, and enjoy the peace of mind that comes with knowing you’re covered. Be secure in your future, today.

So, why delay? Request a guaranteed issue life insurance quote now!

Guaranteed Issue 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

Guaranteed Life Insurance over 70

Senior Care Plan

Disclosure: Compensated Affiliate