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Guaranteed acceptance life insurance may be issued to anyone regardless of health or other related circumstances as long as they fall within the age guidelines. Generally speaking, this type of life insurance is for those from 60 to 90 years old, and many policies have locked-in premiums that do not go up over time.

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Although this is not one of the least expensive life policies, it is worth it in certain circumstances. To learn more about the benefits and requirements of guaranteed acceptance life insurance, click here.

List of Guaranteed Acceptance Life Insurance Companies in the USA:

Colonial Penn:

Life of Providers for Guaranteed Issue Life Insurance
When You Have Guaranteed Life Insurance in Place, Just Sit back and Relax.

A popular company that has heavily promoted this type of life insurance in the past several years offers a comprehensive and straightforward policy. However, Colonial Penn does not offer guaranteed acceptance in Massachusetts and Washington.

Policy Features: As with this type of policy, you cannot be turned down because of your health condition, which is one of the key factors when it comes to life insurance. However, there is a two-year period in which the benefits will be limited unless in case of accidental death. Once accepted, you cannot be denied the policy and will remain in force if you pay the premiums on time.

Premiums & Rates: You can pay monthly, quarterly, or annual premiums. If you pay on an annual basis, you can actually save money compared to quarterly or monthly. Plus, the premiums and rates will never change if you pay on time.

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Your premiums, rates, and coverage amount will depend on the free quote that Colonial Penn provides to each customer that fills out a short questionnaire, so all of these factors are individual to the specific customer. However, the younger you are, the better the rates and premiums will be.

Met Life:

Called “Final Expense Whole Life Insurance,” the policy offered by Met Life is designed to cover burial, credit card, and funeral expenses if you should pass away unexpectedly. Anyone from 45 to 75 will be accepted no matter their health condition.

Policy Features: As typical with most policies of this type, there is a limited death benefit for the first two years. However, the benefits themselves can be paid to any qualified beneficiary.

Premiums & Rates: Depending on your age and gender, you can find rates as low as $10 per month for a $2,500 policy designed for a 45-year-old woman and up to $326 per month for a $20,000 policy designed for a 75-year-old male.

Mutual of Omaha:

This venerable company offers a wide range of insurance plans, including guaranteed issue life insurance.

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Policy Features: You must be 45 to 85 years old to qualify. The policy has locked in rates and benefits that will never be changed. Your spouse may be included as part of the guaranteed option, plus this whole life policy will build in cash value over time that you may borrow against. The benefits will be paid to a loved one who can use the money as they see fit.

Premiums & Rates: This whole life policy can be purchased with up to $25,000 in benefits. The premiums and rates will be dictated by your age and gender, along with the amount of the benefits themselves.

New York Life:

Few insurance companies match the longevity or reputation of New York Life when it comes to a wide range of policies. This includes guaranteed acceptance insurance which offers good flexibility and affordable rates.

Policy Features: The benefits range from $2,000 to $15,000 and are available in most states. The average age range for acceptance is from 50 to 80 years old. However, once you obtain the policy and keep up your payments, it will last until you are 95 years old and beyond, with no more payments due.

Premiums & Rates: This will be determined by your age and gender, which range from an 80-year-old man with $15,000 in benefits paying $177.84 per month down to a 50-year-old woman with $2,000 paying $10.05 per month. Many rates are in-between that you can review on their website.

Quotes for Elderly Over 70

New York Life AARP:

Teamed up with AARP, both companies have produced a policy that provides excellent rates and benefits for your needs. AARP has enjoyed immense popularity for providing excellent services for seniors since its inception, and life insurance is no exception.

Policy Features: Similar to standard New York Life policies, except here, AARP members from 50 to 80 and their spouses from 45 to 80 are accepted. There are limited benefits in the first two years, but the premiums will never go up.

Premiums & Rates: Like New York Life, the policies range from $2,000 to $15,000, starting at $8.38 per month for a 45-year-old woman and up to $157.25 per month for an 80-year-old male. If you keep paying on the policy until you are 95, you will still retain full coverage but will not be charged for the remainder of your life.

Gerber Life Insurance Company:

While many people associate Gerber with baby food, they offer several excellent services, including guaranteed life policies. This venerable company has established itself as one of the most trusted in the US.

Policy Features: Both men and women from 50 to 80 may apply for the policy and cannot be turned down due to health considerations.

Premiums & Rates: You can obtain benefits ranging from $5,000 up to $20,000 with premium rates determined by your age and gender when entered into the short form questionnaire that will then produce an individual monthly premium for you based on the benefits.

AAA Life:

Triple A may be known for its auto assistance program, but they offer exceptional insurance policies, including guaranteed assistance.

Policy Features: This policy is available for those from 45 up to 85 years old and is fully guaranteed. As with most similar policies, it builds cash value over time, and the benefits may actually double as travel insurance as well. Plus, your spouse gets a free AAA membership to boot.

Premiums & Rates: Policies exist from $5,000 up to $20,000 in benefits, and the premiums will depend on the age and gender of the policyholder.

These are just a few of the guaranteed acceptance life insurance companies that offer this remarkable policy. You can get a free quote simply by entering some information to decide which is best for your needs.

* Please note that the rate and features may be subject to change at any time in accordance with company policy.


Meet Aaron H., a senior life insurance agent from California with 15+ years of experience. With a major in finance, excellent analytical and communication skills, and a passion for helping clients find personalized solutions, Aaron is a trusted advisor in the industry. He stays up-to-date on the latest trends and developments by attending webinars and workshops, reading industry blogs, and writing informative blog posts on this website. Aaron also has a keen understanding of SEO and online marketing, which he uses to help his clients reach a wider audience and get the coverage they need. He cherishes spending quality time with his wife, two children, and elder parents.