Can people under age 50 get life insurance with guaranteed approval?

Yes, there is a highly-rated insurer that offers guaranteed acceptance life insurance for people between the age of 45 to 85 years old.

With guaranteed issue plans you will not have to answer any health questions or take any medical exams.

If you meet the age requirement for acceptance, your approval for life insurance is guaranteed.

Learn more about buying guaranteed issue life insurance for people under 50.

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Guaranteed issue life insurance is a type of whole life insurance policy that guarantees your approval for coverage.

It means, you cannot be turned down for life insurance if you meet the age requirements and live in a state where the insurance company offers the plan.

With guaranteed issue life insurance there is no health exam required, and you won't have to answer any questions about the status of your health.

Even of you have a serious pre-existing health problem, or have been turned down by...

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If you have been turned down for life insurance, or you are having a difficult time finding life insurance, you may be wondering in guaranteed issue plans are right fir you.

Many people look to guaranteed life insurance coverage as a last resort if they are uninsurable - unable to get insured.

There are many reasons why you may be considering guaranteed issue plans as an option for your life insurance.

Some of the more common reasons for buying guaranteed life policies include obesity, COPD, emp...

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Is there guaranteed issue life insurance available for senior citizens?

Yes, in fact, one highly-rated insurance carrier offers life insurance with guaranteed approval for people ages 45 to 85.

Guaranteed issue plans offer guaranteed approval if you meet the age requirements for acceptance.

So, even if you have health problems, or you have been declined for coverage by other insurers, you can still get insured.

Here's how to buy guaranteed acceptance life insurance for senior citizens.

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What is life insurance with guaranteed acceptance?

It's a type of life insurance plan that guarantees your approval for coverage - that means you cannot be denied coverage due to any health issues.

Basically, it means, if you meet the age requirements for acceptance, you cannot be turned down.

These plans may be available for people ages 45 to 85, depending on the insurance company offering the plan.

In addition, with guaranteed approval you will not have to take any health exam or answer any que...
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Is it possible to get life insurance online that offers you guaranteed approval?

Yes, in fact, several insurers now offer guaranteed issue life insurance plans over the internet, including United of Omaha, Colonial Penn, Vantis Life, Gerber and AARP/NewYork Life, among others.

Keep in mind, guaranteed approval may be limited to people of a certain age group, for example, ages 45 to 85. Also, your death benefits may be limited the first two years you are insured.

In addition, there's no health ex...
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Is there a waiting period before the full benefit takes effect for guaranteed life insurance? 

Acceptance can be guaranteed because of a limited benefit period for death during the first two or three years you are insured.

In most states the full death benefit is paid from the very first day of coverage for accidental death provided by your guaranteed issue life insurance policy.

Remember, with guaranteed issue plans there are no exams required and no health questions asked.

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Some life insurance advertisements claim you cannot be turned down.

What's the catch?

Well, these are called guaranteed issue life insurance policies.

They guarantee your approval for coverage if you meet the age requirements, which may be ages 45 to 85.

And, the amount of life insurance may be limited to $25,000 or less.

The prices are higher than standard life insurance because they insure some who may not otherwise be able to get insured for life insurance.

The catch is that there is a limited d...
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Do any insurance companies offer guaranteed acceptance for life insurance? If so, which insurers offer this coverage?

Ye,s there are several insurance carriers that provide guaranteed acceptance life insurance plans.

These carriers may includes Vantis Life, Metlife, Colonial Penn, Mutual of Omaha, and AARP/NewYork Life, among others.

However, keep in mind, guaranteed approval plans have graded death benefits the first 2 years you are insured. So, you won't have full coverage immediately, but aft...
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Is there life insurance that offers guaranteed approval for coverage?

Yes, there are guaranteed acceptance life insurance plans that will issue life insurance for anyone who meets their criteria for approval. Usually, with guaranteed issue life insurance you have to be a certain age, for instance, from age 45 to 75 or age 50 to 80, to get guaranteed approval.

With guaranteed issue life insurance your health doesn't matter, and even if you have been turned down for life insurance from other insu...
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Guaranteed issue in life insurance means that you will not be turned down for life insurance for any reason, regardless of any health condition.  

Most life insurance policies go through underwriting, which is where the life insurance company decides the degree of risk involved with insuring you for life insurance.

For example, are you healthy and expected to live a long life or do you have health issues that could shorten your life expectancy?

With a guaranteed issue life insur...

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Guaranteed issue in a life insurance policy means that you will not be turned down for coverage any reason, regardless of any health condition.  

Most life insurance policies go through full underwriting, which is where the life insurance company decides the degree of risk involved with insuring your life. For example, are you healthy and expected to live a long life or do you have health concerns that could potentially shorten your life expectancy?  

With a guaranteed issue li...

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Life insurance that is guaranteed issue means that the person applying for the life insurance policy cannot be turned down due to life insurance, or other risks.

However, there are usually strict age guidelines for guaranteed issue life insurance policies, with the minimum age usually around ages 40-50 and the maximum age usually under age 80. 

Also, the life insurance policy usually has a graded death benefit during the first one to three years, meaning that it will pay a p...

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