Affordable Life Insurance Protection for Your Family

How to Get Life Insurance with No Medical Exam and No Health Questions Asked

Features of Guaranteed Acceptance Life Insurance

  • Guaranteed Approval for People Ages 45 to 85 (50-75 in NY)
  • Up to $25,000 in Life Insurance Coverage
  • No Medical Exam Required
  • No Health Questions Asked

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If you’re looking to buy a life insurance policy without having to take any medical examination or answer any health questions, then there is a life insurance plan that may be right for you.

It’s called "Guaranteed Acceptance" life insurance and it guarantees your approval for coverage.

That’s right, Guaranteed Approval.

If you meet the age requirement for acceptance, your approval for life insurance is guaranteed.

You cannot be turned down for life insurance even if you have been denied coverage by other insurance companies.

Who Usually Buys Guaranteed Issue Life Insurance?

  • Uninsurable
  • People over Age 50
  • Smokers
  • COPD
  • Obese
  • Cancer or History of Cancer
  • Serious Pre-Existing Health Issues
  • Turned Down for Life Insurance in the Past
  • Anyone who wants life insurance without the hassles of a medical exam or having to answer questions about their health history

Basically, anyone with a health issue or those having difficulty getting insured may be considering life insurance with no health exams and no medical questions asked.

Even if you just want to buy a life insurance policy without all the hassles of a physical exam and having to answer questions about your health history, then Guaranteed Life Insurance may be the right life insurance policy for you.

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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
  • Can Pay the Premiums Required
  • Live in a State where the Insurance Company is Licensed and Offers the Plan

Yes, you can buy a guaranteed-issue life insurance policy for your spouse, too.

Features of Guaranteed Approval Life Insurance Plans

  • No Health Questions Asked
  • No Medical Examination Required
  • Up to $25,000 of Life Insurance Coverage
  • Lifetime benefits
  • Guaranteed Acceptance for People Ages 45 to 85 – Varies by Insurer
  • Guaranteed spousal acceptance for applicants aged 45 to 85 – Varies by Insurer
  • 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 up cash value that can be borrowed from in the future
  • Available in almost every state and DC

Leading Life Insurance Carriers offering Guaranteed Policies

Mutual of Omaha

  • Up to $25,000 of coverage age 45-85 (50-75 in NY)
  • No physical exam and no health questions asked
  • Guaranteed Acceptance
  • 30 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
  • Guaranteed Approval
  • No doctor exam and no medical questions
  • 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/New York 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)
  • Two year limited benefit period
  • You cannot be turned down because of your health
  • There are no health questions asked and no physicals to take

The Pros and Cons of Guaranteed Issue Life Insurance 


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


  • Limited Amount of Life Insurance Available
  • Higher Rates than Standard 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 approval 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 recent heart attack, stroke, or cancer diagnosis
  • 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 insurance carriers
  • Anyone who wants to buy life insurance with no medical exam and no health questions asked.

How Can I Buy Guaranteed Approval Life Insurance?

You have several options to choose from in purchasing guaranteed life insurance in the U.S.A., 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.

Life insurance with guaranteed acceptance is available to anyone who meets the age requirements for approval. There may be some age restrictions which vary by life insurance carrier.

For example, some carriers offer coverage for people ages 45-75, 40-80, or 45-85, depending on the life insurer.

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.

Frequently Asked Questions About Guaranteed Life Insurance

What is Guaranteed Issue Life Insurance?

Guaranteed life insurance plans provide coverage to applicants with health or lifestyle issues that may prevent them from qualifying for a traditional term life or permanent life insurance policy with a required medical screening.

Do I Need a Health Check-Up to Qualify for Coverage?

No, you will not need to complete a physical examination to qualify for a Guaranteed Approval policy.

Will My Rates Ever Increase in the Future?

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

How Much Life Insurance Coverage Can I Purchase?

A Guaranteed Issue policy usually offers up to $25,000 of coverage to applicants between the ages of 45 to 85 (50-75 in NY) (Maximum coverage amounts and Ages vary by Insurance Company). And, if you need more coverage, you can buy a policy from more than one life insurance company.

Can My Life Insurance Policy Be Canceled for Any Reason?

The insurance company can’t cancel your 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 any penalties or fees.

How Much Life Insurance Do I Need?

Everyone’s need for life insurance is different and some people need more protection than others. Guaranteed issue life policies are not designed to provide a replacement income, they were generally created to leave money behind to cover the cost of your final expenses, including funeral, burial, and other end of life expenses.

Who Should I List as My Beneficiary?

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

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How to Get Life Insurance with No Medical Exam and No Health Questions

End of Life Insurance | Life Insurance for Seniors Ages 50 to 85

Disclosure: Compensated Affiliate