By clicking "Display Quotes", and submitting an online insurance quote request, you are providing Term Life Advice with your prior express and written consent to call you at the cell phone number or residential phone number provided. Final rates are based on eligibility. You can also reach us toll-free at 855-902-6494.
Filter life insurance quotes by your needs:
| Name | Issue Ages | Minimum Coverage | Maximum Coverage | Requirements | |
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50 - 85 years old | $5,000 | $25,000 | None |
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50 - 85 years old | $5,000 | $25,000 | None |
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40 - 80 years old | $1,000 | $40,000 | No major illnesses diagnosed within the last 24 months. |
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21 - 80 years old | $5,000 | $100,000 | Must be working at least 20 hours per week. |
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45 - 85 years old | $2,000 | $25,000 | None |
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Guaranteed Acceptance, or Guaranteed Issue Insurance, is a form of permanent life insurance that is available to people with health issues that prevent them from qualifying for other types of coverage. No health questions or medical exams are needed for approval, but most companies have a minimum qualifying age.
The trade-off with these policies is that they require a two-year waiting period where your coverage is limited. To learn more, please see our article, “What is Guaranteed Issue Life Insurance?”
Almost every guaranteed acceptance life insurance provider requires a waiting period that will limit your coverage during the first two years of your policy. During this time, if you pass-away from a health-related issue, your beneficiary will receive a full refund of all the money you have paid, plus 10-20% interest.
If you are currently working at least 20 hours a week, you may be able to qualify for up to $100,000. “Purchasing More than $25,000 of Guaranteed Issue Life Insurance.”
Most guaranteed life insurance companies limit individuals to $25,000 of coverage or less. But there are a few companies that make exceptions. If you haven’t been diagnosed with a serious health issue for two years, or if you are currently working at least 20 hours a week, you may be able to qualify for more.
To learn more about guaranteed life insurance, please use our free quote form to instantly compare your options or call us at 855-247-9555.
Guaranteed issue life insurance can be used to pay for your end of life expenses, credit card debt, medical bills, an inheritance, unforeseen expenses, etc. There are no limitations to what the money can be used for, and your policy’s death benefit is paid to your beneficiary as un-taxed, lump sum.
Your life insurance policy’s beneficiary can be a person, business, charity, trust, or an estate.
The best guaranteed acceptance life insurance companies offer level rates and a fixed death benefit until the age of 100 or later. Some providers even offer full and immediate coverage to applicants that are currently working at least 20 hours a week.
To determine you best option for guaranteed issue life insurance, please review our comparison chart or call us toll-free at 855-247-9555.