Is Guaranteed Acceptance Life Insurance A Good Choice For Those With Preexisting Conditions?

Do you have diabetes, high blood pressure or another condition with high mortality rates? Have you recently been given a diagnosis of cancer or another terminal illness? If you answered “yes” to either of these questions, guaranteed acceptance life insurance might be the perfect fit for your needs.

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Unlike traditional life insurance policies, you do not have to undergo exams and wait weeks to find out whether or not you have been approved. Your policy can be approved and in action within the same day, provided that you make your initial payment the day of approval.

However, this doesn’t mean that you should avoid caring for your health or choose the first guaranteed life insurance provider that you find. But, you need this information to help you make the right choice for your own life insurance policy.


In order to obtain guaranteed life insurance, you need to provide minimal information, including your name and the current state of residence. It is essential that you compare the rates of various providers to ensure that you are getting the best deal. Many of the most well-known and top-rated insurance providers in the nation offer these policies, so you can rest assured that you are working with a legitimate company.

In regards to your health, you should continue to follow your healthcare regime assigned by your primary treating physician. In addition to taking your medication properly, exercise and a healthy diet are going to have a positive impact on your wellness. Take proactive steps to care for yourself, mentally, emotionally, spiritually and physically.

Doing so not only allows you to experience life as fully as possible, it also improves the potential funds your beneficiaries will receive. This is because many guaranteed policies have a graded death benefit. Though the specific numbers may vary from one carrier to another, the basics are essentially the same.

For the first two, and possibly three, years of coverage, the payoff will include the premiums paid into the policy, along with a predetermined amount of interest. However, after you have reached that milestone, your beneficiaries will receive the full amount of the policy. At this point, accumulated interest no longer applies to the full death benefit.


Generally, there is one exception to the early death restrictions. If you pass away during an accident that is unrelated to your condition, most policies will pay the full amount. But, you should always read the policy carefully before signing to check for this and other fine details that can impact your decision.

If you have a serious health condition and are worried about your family’s financial future when you pass away, a guaranteed acceptance life insurance policy might be the best choice. You can often stack these policies to obtain a greater payout for them.


Make certain that you understand your options and how to select the insurance company that can best meet your needs. Doing so will allow you to sleep more peacefully at night, knowing that you have taken the appropriate steps to care for your loved ones.