What is guaranteed acceptance life insurance?

Guaranteed acceptance life insurance is a type of whole life insurance that requires no medical exam or health questions as part of the application process.

If you’re within a specific age range (50-85 is a common example), you may qualify for a guaranteed acceptance life insurance policy regardless of your medical history or preexisting conditions.

Who needs guaranteed acceptance life insurance?

Guaranteed acceptance life insurance may be a good fit for you if:

  • You have health conditions that could prevent you from being approved for other life insurance policies
  • You don’t need a policy with a large coverage amount
  • You want a policy that may help your loved ones pay for your final expenses

Although guaranteed acceptance life insurance policies are often used to cover final expenses, your beneficiaries can use the death benefit any way they wish.

70% of people say they need life insurance, yet only 59% actually own it.2

Average cost of final expenses

The answer is different for everyone, but take a look at some average expenses your family could be responsible for covering.

Median cost of a funeral3
Average reported medical debt4

Your life insurance needs could be different, so always speak with a licensed insurance agent before making a purchasing decision.

Apply for a policy and get approved, sometimes in the same day.

  • Guaranteed acceptance
  • Fast &
  • No medical
    exam required

You may qualify for a guaranteed acceptance life insurance policy even if you’ve been denied life insurance coverage in the past.

Request a quote

Top Questions

Why would someone choose a guaranteed acceptance life insurance policy over another type of policy?

Each person’s needs are different when it comes to life insurance, and different people may have different life insurance options available to them based on their age and medical history. Guaranteed acceptance life insurance policies provide coverage to people who may otherwise not qualify for a policy.

Why LifeInsurance.org?

We are committed to providing consumers with objective, easy-to-understand information that will arm them with the information they need to make informed decisions about their life insurance coverage. Whether you choose to browse our wealth of resources, or speak with one of our licensed insurance agents, you’ll walk away with more knowledge than when you started.

Do I have to pay for your services?

No, the resources and guidance offered by LifeInsurance.org are completely free, and there is no obligation to purchase a policy.

How do I get started?

You can fill out the form below to request a call, or you can call us directly at 1-855-303-4640.

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