The Easiest Life Insurance to Get Approved For (No Exams, No Stress)

If you’ve been putting off life insurance because you’re worried about medical exams, health questions, or getting denied, here’s the good news: there are life insurance policies specifically designed to be easy to get approved for—even if you have health issues or were declined before.

This guide breaks down the easiest life insurance options to qualify for, who they’re best for, and how you can get coverage quickly and confidently—often the same day.

What Makes Life Insurance "Easy" to Get Approved?

The easiest life insurance policies share a few key features:

• No medical exams
• Little to no health questions
• Fast approval (sometimes instantly)
• Predictable acceptance guidelines

These policies are built for real people—not perfect health profiles.

👉 Want to see which easy-approval policy you qualify for?

Request your free life insurance quote now—no obligation.

Guaranteed Acceptance Life Insurance (The Absolute Easiest)

Guaranteed acceptance life insurance is exactly what it sounds like:

You cannot be turned down.

Why This Is the Easiest Life Insurance to Get Approved For

• No medical exam
• No health questions
• No income verification
• Approval is guaranteed

If you’re within the eligible age range and make your first payment, you’re covered.

Who Guaranteed Acceptance Is Best For

• Seniors with serious health conditions
• People declined for life insurance before
• Those who want coverage without any underwriting hassle

What to Know Before Applying

• Coverage amounts are typically smaller (often $5,000–$25,000)
• Most policies include a graded benefit period (usually 2 years)

👉 See guaranteed acceptance plans available in your state.

Option #1: Mutual of Omaha – Easy Approval for Ages 45–85

Mutual of Omaha is one of the most trusted names in life insurance—and they offer some of the easiest policies to qualify for.

Mutual of Omaha Coverage Details

• Ages: 45–85 (45–75 in New York)
• Coverage Amounts: Up to $25,000
• Medical Exam: None required
• Application: Simple health questions

These plans are often approved quickly, even for applicants with serious health issues.

Why Mutual of Omaha Is So Popular

• Strong financial stability
• Straightforward underwriting
• Excellent option if you don’t qualify for traditional term life

👉 Check your Mutual of Omaha eligibility instantly. Request a free life insurance quote today.

Option #2: Allstate Benefits – Easy Coverage Up to $75,000

If you’re younger or need more coverage, Allstate Benefits offers one of the easiest approval paths with higher limits.

Allstate Benefits Coverage Details

• Ages: 18–70
• Coverage Amounts: Up to $75,000
• Medical Exam: No exam required
• Approval Speed: Fast, simplified underwriting

This is an excellent option if you’re generally healthy but want to avoid medical exams and lengthy underwriting.

Who Allstate Benefits Is Best For

• Adults seeking higher coverage amounts
• Parents wanting affordable protection
• Anyone who wants fast approval without needles or labs

NOTE: To qualify, applicants must be working at least 20 hours per week and not collecting any form of disability income or SSDI.No Waiting Period: The policy goes In Force on the first day of the month after it's purchased. For example, if the policy was purchased during the month of January, it would be active February 1st.

👉 See if you qualify for up to $75,000 in coverage. Get your free quote now—it only takes a few minutes.

Which Is the Easiest Life Insurance to Get Approved For?

Here’s a quick comparison:

   Policy Type                  Acceptance Level       Coverage Amount

   Guaranteed Acceptance          100% guaranteed                 Up to $25,000

   Mutual of Omaha                        Very Easy                        Up to $25,000

   Allstate Benefits                             Easy                            Up to $75,000

If approval certainty is your top priority, guaranteed acceptance life insurance is the easiest.

If you want better pricing and more coverage, Mutual of Omaha or Allstate Benefits may be the smarter choice.

👉 Request your free life insurance quote now.

How to Get Approved for Life Insurance Today

Getting started is simple:

1. Choose the coverage amount you want
2. Answer a few basic questions
3. Get matched with the easiest policy you qualify for

No pressure. No medical exams. No long wait times.

Final Thoughts: Easy Life Insurance Is Real—and Available Now

You don’t need perfect health to protect your family or cover final expenses. The easiest life insurance to get approved for is designed for people just like you.

Whether you want guaranteed acceptance, trusted coverage from Mutual of Omaha, or higher limits with Allstate Benefits, there’s an option available today.

👉 Take the next step now. Request your free life insurance quote and see how easy approval can be.

Fast. Simple. Stress-free.

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 – Allstate Benefits Insurance Company

Allstate Benefit's Guaranteed Acceptance policy offers $10,000 to $75,000 of coverage to working applicants between the ages of 18 and 70. Rates start as low as $9.65 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply today. Start Here to get a FREE Quote.

NOTE: To qualify, applicants must be working at least 20 hours per week and not collecting any form of disability income or SSDI.

No Waiting Period: The policy goes In Force on the first day of the month after it's purchased. For example, if the policy was purchased during the month of January, it would be active February 1st.

Resources:

• Guide to Guaranteed Acceptance Life Insurance
• Tips for Buying Guaranteed Issue Life Insurance
• Guaranteed Issue Life Insurance FAQs
• Pros and Cons of Guaranteed Issue Life Insurance
• A.M. Best Company: Compare financial strength ratings of life insurance companies
• Life Happens.org: Learn about life insurance and review facts.

About Our Methodology

Reviewed By: President of Term Life Online – AU, AAI, ARM

• 30+ years of experience in insurance planning

How We Keep This Guide Accurate: We regularly updates our content to reflect the latest rates and industry trends. We are committed to providing transparent, unbiased information to help you make the best decision for your family.

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