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What Does Guaranteed Acceptance Mean?

Definition of Guaranteed Acceptance Life Insurance Coverage

What Does Guaranteed Acceptance Mean?

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 health problems.

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.

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You are Guaranteed Coverage If You:

  • Meet Age Requirements for Acceptance
  • Live in a State where the Insurance Company is Licensed and Offers the Plan
  • Can Pay the Premiums


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


Leading Insurance Carriers offering Guaranteed Policies


Mutual of Omaha

  • Up to $25,000 of coverage
  • No physical exam and no health questions asked
  • Guaranteed Acceptance age 45-85 (50-75 in NY) in most states
  • 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


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


Pros and Cons of Guaranteed Issue Coverage



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



  • Limited Amount of Insurance Available
  • Higher Rates than Regular Life Insurance Policies


Who is Guaranteed Coverage Best For?

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


When to Choose Guaranteed Life Insurance?

Health condition preventing you from getting insured for other types of life insurance policies


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



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What Does Guaranteed Acceptance Mean?

Disclosure: Compensated Affiliate