Affordable Life Insurance Protection for Your Family

No Questions Asked Life Insurance Companies

Are You Looking for Life Insurance with No Health Questions Asked?

No Questions Asked Life Insurance Companies

No questions asked life insurance companies and plans offer you the option of buying life insurance coverage even if you may have been declined before, or are finding it difficult to qualify for a life insurance policy.

There are many reasons people choose to buy a no question life insurance plan, among the more common reasons are:

Age, Health Issues, Obesity, High Risk Occupation, High Risk Hobbies, Smokers, or having been Declined for Life Insurance.

The above-mentioned factors may place you in a High-Risk category for life insurance. This means life insurance carriers may deny you coverage, charge you a higher rate, and/or limit the amount of the insurance available. That’s why you may find yourself in need of guaranteed-issue no question coverage.

Top No Questions Asked Life Insurance Companies


Mutual of Omaha

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


AIG Life Insurance

  • Up to $25,000 of life insurance
  • Ages 50 to 85
  • Guaranteed Issue
  • No medical examination
  • No health questions


Gerber Life

  • Choose from $5,000 up to $25,000 of insurance
  • Ages 50 to 80
  • Guaranteed Approval
  • No doctor exam
  • Lifetime protection


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


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


AAA Life  

  • Up to $25,000 insurance
  • Ages 45 to 85
  • No medical questions
  • No physical exams
  • Premiums never increase
  • Coverage never decreases


Met Life   

  • Choose form $2,500 up to $20,000
  • Guaranteed Issue
  • Ages 45 to 75
  • No medical examination required
  • No health questions asked


Many people with a pre-existing health condition choose to purchase no health question life insurance with guaranteed approval, such as:

  • COPD or Emphysema
  • Obese
  • Diagnosis of HIV, AIDS or ARC
  • Diagnosis of Alzheimer’s or Dementia
  • Residing in a Nursing Facility
  • Currently Hospitalized
  • Current use of Oxygen
  • Have a Terminal Illness


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

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

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

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


The Two Main Types of Guarantee Life Insurance Plans

  1. Graded Benefit Life Insurance
  2. Accidental Death Life Insurance


Graded Death Benefit Life Insurance is a type of life insurance policy that provides a limited amount of life insurance to begin with, and over time the amount of life insurance coverage will increase, either gradually before leveling off, or sharply before it becomes level.

For instance, a graded benefit life insurance plan that is guaranteed issued, may provide no coverage the first two years you own the policy, other than a return of premiums you have paid plus interest, but once you have been insured by the policy for two years, you will have full coverage.

Accidental Death Life Insurance is another form of guaranteed issue policy that provides instant protection from day one you are insured.

There is no medical exam required and no health questions to answer when you apply for your policy. And, you may buy up to $1,000,000 of life insurance protection online. However, the death benefit is only paid out if you die as a result of an accident. Rates for this coverage are much lower than for regular life insurance or graded benefit life insurance plans.


How to Buy Life Insurance with No Medical Examination and No Health Questions 


Are You Looking to Buy Life Insurance without any Exams or Questions?

If so, you’ve come to the right place. 

Today, it’s quicker and easier than ever before to get easy-issue life insurance without having to answer any questions about your health, or your health history. If you are between the age of 45 to 85, your approval is guaranteed.

Start Your FREE Quote


  • Choose Guaranteed Whole Life Coverage without Health Exams or Health Questions for Simplicity 
  • Apply for coverage without taking any doctor’s exam or answering any health questions.
  • Keep your coverage even if your health changes, as long as you pay your premiums on time.
  • Purchase coverage with confidence, with a 60-day money-back guarantee.


What is Easy-Issue No Question Life Insurance Coverage?

It means, you won’t have to deal with any delays or hassles of medical exams or length underwriting of your application. There’s no pushy salesman and no lengthy mailing delays.


  • No Health Questions Asked
  • No Doctor Exam Required
  • No Need to Meet with an Agent
  • Guaranteed Approval for Ages 45 to 85
  • Money Back Guaranteed
  • Premiums Never Increase
  • Coverage Amount Never Decreases
  • Builds Cash Value Inside Your Policy


With easy-issue guaranteed policies there is no health check-up and you won’t have to answer any questions about your health.

Even if you’ve been turned down by other insurance carriers, you can still get insured.


Easy Issue No Questions or Exams Life Insurance

Guaranteed issue permanent life insurance is ideal for covering outstanding debts, medical bills and final expenses, plus it can leave funds to provide a legacy for your family members.

Your beneficiaries can use the proceeds from your life insurance any way they wish.


Who Wants No Question No Exam Permanent Life Insurance Coverage?

  • Want a Simplified-Issue life insurance plan. 
  • Don’t want to take any physical examination. 
  • Don’t want to answer any questions about your health history and your current health. 
  • Term life insurance policy owners who purchased temporary life insurance years ago and now require a small amount of permanent guaranteed lifetime life insurance protection.  
  • New retirees whose group life insurance has terminated and who want a small permanent life insurance policy to cover their final expenses.
  • Need life insurance to cover the cost of your end of life expenses, including funeral, burial, and hospital bills.

Start Your FREE Quote


Product Features of Guaranteed-Issue Life Insurance

without any Questions


Mutual of Omaha, one of the leading providers of guaranteed-issue no health question life insurance plans, offers coverage with the following features:

  • Guarantees – People age 45 to 85 won’t be denied coverage or have benefits reduced due to age or health.
  • Issue Ages – Age 45 to 85 (50-75 in NY).
  • Sum Insured – Up to $25,000.
  • Minimum Premium – Rates as low as $8.84 per month
  • Availability – Available in all states except MT.
  • Spousal Coverage – Your spouse can get covered if he or she is age 45 to 85.
  • Guaranteed Cash Values – Builds cash value inside your policy.
  • Easy Application Process – You can qualify for coverage without undergoing a medical exam or answering health questions.
  • Simplified Underwriting – No doctor examination required and no health questions asked.


You can get insured without answering any questions about the status of your health, or your health history

Discover how affordable no questions life insurance protection can fit your personal needs and your budget.

The process is easy, you just request a free quote online right now.

Many people ages 45 to 85 choose guaranteed-issue policies to help cover their final expenses, including the cost of their funeral and burial expenses.

It can provide you with peace of mind, and protect your family from the financial burden of paying for your final expenses (burial and funeral costs) upon your passing.

Get a Free Quote


Why Choose Guaranteed Acceptance Life Insurance?


It’s a Good Value 

It’s designed to help cover the cost of final expenses including funeral costs, medical bills and other debts, for people age 45-85.


It’s Guaranteed

Your life insurance protection is guaranteed throughout the life of your policy. Your annual premium is guaranteed never to increase, and the amount of life insurance coverage provided by your policy is guaranteed never to decrease.


It’s Easy to Get Insured

Your acceptance for a policy is guaranteed, as long as you meet the age requirements.

There are no health examinations to take and no health questions for you to answer.


Why Choose Guaranteed Approval No Question Life Insurance for Your Final Expenses?

Without a life insurance plan in place to cover your final expenses which may include the cost of your burial, funeral, medical bills and other debts, these costs could fall upon your loved ones who may be put in a financially stressful situation having to come up with the money to cover these expenses.

A final expense policy can give you peace of mind knowing your family members will not be left with a financial burden if you die.


How Much Does It Cost?

Plans are affordable, starting as low as $8.84 per month. The premium you pay is based on the amount of life insurance you need, your age and gender.  

Request your free life insurance quote.


How Can I Qualify If I Have Health Problems? 

If you’re age 45 to 85 you can’t be turned down for health reasons. You will not be required to take a physical exam or answer any health questions – now, or at any time in the future.

Your acceptance for coverage is guaranteed.


Will My Premiums Change as I Get Older or My Health Changes?

No. Your life insurance coverage and premiums are guaranteed to remain the same throughout the life of your policy. 

That means, your premium will never increase, and your coverage will never decrease.

As long as you pay your premiums, your coverage is guaranteed.


How Can My Family Use the Money from My Life Insurance Policy?

You choose who will be beneficiary of your life insurance.  

Your beneficiaries can use the money as they see fit, which may include to pay for your final expenses. 

In addition, your life insurance policy may build up some cash value from which you may be able to take a loan in the future, if you need it.


What are Final Expenses?

They are all of the costs related to your passing, which may include burial costs, medical bills and unpaid debts you have accumulated.

Final Expenses Include:

  • Funeral
  • Embalming
  • Casket
  • Hearse
  • Burial
  • Flowers
  • Headstone
  • Memorial Service
  • Burial Plot


Which Insurance Companies offer No Question Guaranteed Issue Plans?

No health questions life insurance coverage is available from several insurance carriers.

Among the leading providers of final expense, no question policies are:

  • Mutual of Omaha – Up to $25,000 of coverage for people ages 45-85
  • AIG – Up to $25,000 coverage for people ages 50-85
  • Gerber Life – Up to $25,000 of coverage for people ages 50-80


What If I Change My Mind?

There is no risk to you. 

Usually, a life insurance policy comes with a money-back guarantee, which means if you are not satisfied with your policy you may return it to the insurance company within the Free Look Period (usually between 10-30 days) for a full refund of all premiums paid.

For Example: Mutual of Omaha provides a 30-day money-back guarantee on their guaranteed-issue life insurance policies.


 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 – Met Life

MetLife offers guaranteed acceptance final expense life insurance for people age 45 to 75. Choose $2,500 up to $20,000 of coverage. Rates start as low as $10 per month. There’s no medical exam and no health questions. You cannot be turned down. 

No Questions Asked Life Insurance Companies

Life Insurance for Uninsurable People

End of Life Insurance

Disclosure: Compensated Affiliate