Affordable Life Insurance Protection for Your Family

Life Insurance for Seniors without Medical Exam

Are You a Senior Looking for Affordable Life Insurance Protection without Having to Take Any Medical Exam to Get Insured?

Whether you are over age 65, have health issues, have been turned down for life insurance, or want to start your policy quick without any hassles or delays of an exam, you can get insured.

Today there are life insurance no medical plans available for senior citizens and elderly people with guaranteed approval – yes, that means you cannot be denied life insurance – IF you meet the age limitations for being accepting. Some insurers offer guaranteed coverage for people ages 45-85.

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Advantages of Senior No Medical Life Insurance

  • Guaranteed Approval for Ages 45-85 (50-75 in NY)
  • Up to $25,000 of Coverage
  • No Medical Exam Required
  • No Health Questions Asked
  • Quick and Easy Coverage
  • No Delays and No Hassles

Drawbacks of Senior Life Insurance No Medical

  • No Coverage for People Over Age 85
  • Maximum Limit of $25,000 Coverage
  • Graded Benefits – Limited Death Benefits First Two Years You are Insured

Features of Guaranteed Issue Life Insurance

No Medical Exam 

Yes, as a senior you can get insured without having to take any physical examination.


No Health Questions

Guaranteed approval life insurance means you won’t have to answer any questions about the status of your personal health or your health history.


Guaranteed Approval 

This means you cannot be turned down for guaranteed coverage even if you have pre-existing health problems or you have already been denied coverage by some other insurance companies.


Graded Benefits

Yes, there is a drawback to guaranteed coverage – Graded Benefits – which means you have limited death benefits with your life insurance policy should you pass away within the first two years you are insured.

That’s how an insurance company can guarantee acceptance for someone with serious health issues.


Age Limitations

There are limits to the age for approval with guaranteed life insurance policies.

It depends on the insurance company, but some insurers offer guaranteed approval for the following age groups:

  • Ages 45-85
  • Ages 40-80
  • Ages 45-75


Amount of Coverage Available

Again, the amount of life insurance available to you with guaranteed approval will vary by insurance company, but some carriers offer up to $25,0000 of life insurance.


Top Carriers 

There are several highly-rated, well-known insurance companies that offer no medical life insurance plans for seniors, including Mutual of Omaha, Globe Life, Gerber Life, Colonial Penn, and AARP/New York Life, among others.


 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 – Globe Life Insurance

Get FREE Information On How $1* Buys $50,000 Globe Life Insurance For Seniors

  • No Medical Exam – Simple Application.
  • No Waiting Period. Buy Direct.
  • Rates As Low As $3.49 Per Month.
  • The Globe Life Family Of Companies Has Nearly 17 Million Policies In Force.
  • No Phone Required. No Credit Required.
  • The Globe Life Family Of Companies Has Over $224 Billion Of Coverage In Force.
  • Globe Life Is Rated A (Excellent) By A.M. Best Company As Of August 2023.


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Disclosure: Compensated Affiliate