Affordable Life Insurance Protection for Your Family

Whole Life Insurance Guaranteed Acceptance

How to Get Whole Life Insurance with Guaranteed Approval


Are You Looking To Buy Guaranteed Issue Whole Life Insurance Coverage?


If so, you’ll want to learn about whole life coverage and how guaranteed acceptance policies work.


What is Whole Life Insurance?


Whole life is a type of permanent life insurance policy that provides you with lifetime protection, for as long as you keep paying your insurance premiums on time to the insurance carrier.


Whole life provides a death benefit paid out to the beneficiary of your policy upon your death. The owner of the policy chooses the beneficiary. 


In addition, a whole life policy may build up some cash value from which you may take a loan.


What Does Guaranteed Acceptance Mean?


It refers to life insurance policies that offer guaranteed approval for coverage. It basically means you cannot be turned down for a policy, regardless of your health.


Many people choose to buy a whole life policy with guaranteed approval if they are seniors, need insurance to pay for their final expenses (burial/funeral), have health issues, or have been denied coverage by other insurers. Start Your Free Quote.


How Much Guaranteed Issue Insurance Can I Buy?


That depends on the insurance company. However, the maximum amount of life insurance offered with guaranteed issuance is usually $20,000 or $25,000.


Coverage amounts available usually start at $2,000 up to $25,000.


Yes, you can buy a policy from more than one life insurance carrier, in case you need more protection.


Do I Have to Take a Health Exam to Qualify?


With guaranteed issue plans you will not have to take any form of medical examination in order to qualify for coverage.

Do I Have to Answer Any Health Questions?

No. They will not ask any questions about the status of your health.


Are There Any Age Limitations?


Yes. Depending on the insurance carrier, the age limitation may vary for guaranteed approval. 


Sample Age Requirements:


  • Ages 45-75
  • Ages 40-85
  • Ages 45 to 85


What If I Have Been Turned Down By Other Insurers?


That’s okay. Even if you have applied for life insurance to other insurers and have been denied approval, you can still get insured.


Features of Whole Life Insurance with Guaranteed Acceptance


  • No Doctor’s Exam Required
  • No Health Questions Asked
  • Limited Amount of Coverage – Usually up to $25,000
  • Age Limitation for Approval – Usually, 45-75 or 45-85
  • Lifetime Protection


What If I Change My Mind?


Don’t worry. If you decide you no longer want the life insurance policy after receiving it, you can notify the insurance company and request cancellation of your coverage.


Each policy comes with a Free Look Period during which time you can contact the insurer and request cancellation for a full refund of all premiums paid.


Usually, the Free Look Period is for a period of 10, 15, 20, or 30 days.


Can I Buy a Policy for My Spouse?


Yes. If you are married, you have an Insurable Interest in your spouse, which is required in order to buy a life insurance policy on another person.


Guaranteed Acceptance Whole 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.


Whole Life Insurance Guaranteed Acceptance

Disclosure: Compensated Affiliate