Can people over seventy-five years old get life insurance with guaranteed approval?

Yes, in fact, several life insurers offer guaranteed issue life plans for seniors.

Among the leading providers of guaranteed acceptance life insurance policies are United of Omaha, AIG, AAA, Colonial Penn and MetLife.

Seniors age 45 to 85 may be able to get up to $25,000 of life insurance with guaranteed approval from United of Omaha, for example.

However, if you need more coverage, you may be able to buy a policy...

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When it comes to buying a guaranteed approval life insurance policy, you may have several insurers to choose from for your coverage.

Some of the leading providers of life insurance policies with guaranteed approval include United of Omaha, AIG, AAA, Colonial Penn and MetLife, among others.

Keep in mind, pricing does vary among insurers; as well as, the amount of coverage available, and the age requirements for approval.

And, you may be able to buy a policy from more than one insurance carrier.

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Is there life insurance with guaranteed approval for people age 45 and over?

Yes, in fact, one highly-rated life insurance carrier offers guaranteed acceptance life insurance policies for people ages 45 to 85 years old.

Guaranteed Issue means you won't have to take a medical exam or answer any health questions - your approval for life insurance is guaranteed, if you meet the age requirements.

However, the maximum amount of life insurance available with Guaranteed Approval is usually limited to a...

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It's a type of life insurance policy that guarantees your approval for coverage, if you meet the age requirements for acceptance.

This type of policy provides lifetime (permanent) life insurance protection, as long as you pay your premiums on time.

It builds cash value inside the policy, and pays out a death benefit upon the death of the insured person.

Even if you have been denied coverage from other carriers, you can still get insured.

There is no health exam required, and you won't have to tak...
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Can an 81 year old get life insurance with guaranteed approval?

It depends on which insurance company you use for coverage.

Some insurers only offer guaranteed coverage to people ages 45-75 or 40-80 years of age.

However, United of Omaha offers guaranteed approval life insurance for people ages 45 to 85.

With guaranteed life insurance plans you won't have to answer any questions about your health or take any medical exams.

Your approval for life insurance is guaranteed if you meet the age requirem...

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Yes. If you meet the age requirement for approval, you may purchase $25,000 of guaranteed acceptance life insurance coverage through United of Omaha.

They offer guaranteed policies for people ages 45 to 85 years old.

With guaranteed plans, there are no health exams required, and you won't have to answer any questions about the status if your health, or your health history.

Even if you have been denied coverage by other carriers, you can still get guaranteed issue coverage.

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Are you wondering if guaranteed life insurance is right for you?

It may be, but it depends on your situation.

Guaranteed issue life insurance means you cannot be turned down for coverage if you meet the age requirements and can pay the premiums.

So, if you have health problems, or you have been turned down for life insurance, or you are over 75, it may be an option to consider.

These plans are available for people ages 45 to 85 years old.

Find out if guaranteed life insurance is right for you.

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Can I buy a life insurance policy with no health check-up and guaranteed approval?

Yes, these plans are called Guaranteed Issue life insurance policies and they offer life insurance with guaranteed approval for anyone who meets the age requirements.

For example, some insurance companies offer guaranteed acceptance for anyone between the ages of 45-75 or even 45-85.

You won't have to take any health exams, and there's no health questions for you to answer.

Here's how to get guaranteed life insuran...

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Guaranteed approval life insurance is a type of insurance plan that guarantees your approval for coverage - even if you have health issues, or you have been denied coverage by other life insurers.

If you meet the age requirements for approval you are guaranteed acceptance.

And, there's no health examinations of health questions to answer

However, the amount of coverage available is usually limited to around $25,000.

Learn more about how a guaranteed issue life insurance policy works.

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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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Can residents of New York state get life insurance plans with guaranteed approval?

Yes. In fact, one highly-rated insurer offers New York residents up to $25,000 of guaranteed issue life insurance coverage for people ages 45 to 85.

There's no physical exam required, no health questions asked, and you can't be turned down due to any pre-existing health condition.

If you meet the age requirements, and you can pay the premiums, then you can get insured for guaranteed plans.

Here's how to get guarant...

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If you're shopping for life insurance you may have heard about guaranteed issue plans.

Is guaranteed issue life insurance protection right for you?

That depends. Many people who choose to buy life insurance with guaranteed approval have been turned down for coverage due to their age, health, lifestyle, or for some other reason.

Usually, a guaranteed life insurance policy is the last option for someone who needs life insurance protection because of the cost and the limited amount of coverage avai...

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Can diabetics get life insurance with guaranteed approval?

Yes, there are insurance policies available for diabetics that provide guaranteed approval, as long as you meet the age requirements.

Guaranteed issue life insurance plans have varying age requirements, depending on the insurer.

For example, some insurers may offer guaranteed coverage for diabetics age 45-75, 40-80, 45-85 or 50 to 85.

The amount of life insurance coverage available from any one guaranteed issue plan may be limited to a m...

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What is Guaranteed Life Insurance and Non-Guaranteed Life Insurance?

A guaranteed issue life insurance policy is one that guarantees your approval for coverage, while a non-guaranteed issue life insurance policy means you may or may not qualify for coverage.

If you have health issues, or you have been turned down for coverage, guaranteed life insurance may be a good option for you.

However a non-guaranteed life insurance policy may be better suited for people who are willing to take a medical ex...

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Is there life insurance available for seniors with guaranteed approval?

Yes, some insurers do offer guaranteed issue life insurance for people ages 45-75, 40-80 or even 45-85, depending on the insurance company.

Guaranteed issue means you cannot be declined for coverage due to a health condition.

And, there's no health exam required to get insured. In addition, there may be no health questions asked.

However, there are usually limited death benefits (graded benefits) the first two years you are i...
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Have you been turned down for life insurance?

Whether you are over 75, have health issues or have been denied coverage, you may be searching for a guaranteed life insurance plan.

But, which is the best company for guaranteed issue life insurance protection?

There are several highly-rated insurance companies to choose from for your guaranteed issue life insurance policy including United of Omaha, Gerber Life, MetLife and AARP/NewYork Life, among others.

For example, United of Omaha offers guarante...
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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 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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Can people with health problems get insured for life insurance?

Yes, you may be able to purchase life insurance if you have health problems.

There are a few ways to find life insurance with health issues.

You could look for a life insurance broker in your area who specializes in life insurance for high risk people. That broker would have access to life insurers who insure people with health issues.

Or, you could contact the insurance company you have your home and auto insurance with and ask if t...
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Is it possible to get life insurance for someone who is ill with a health condition?

It depends on the person's age, but there are life insurance plans that offer guaranteed approval for all applicants that meet the age requirement.

For instance, one insurance company offer up to $25,000 of guaranteed acceptance whole life insurance for people age 45 to 85. 

There's no health examination required for guaranteed issue plans and there are no health questions asked.

Basically, if you meet the age re...
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Whole life guaranteed coverage is life insurance that provides guaranteed life insurance protection for your entire lifetime, no matter how long you live.

And, it provides guaranteed acceptance, which means you cannot be  turned down for coverage, even if you are older or have health problems.

For instance, The United of Omaha whole life guaranteed policy offers from $3,000 up to $25,000 of permanent life insurance protection, and people ages 45 to 85 cannot be turned down for a policy.

You can ...
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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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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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A guaranteed whole life insurance policy is life insurance that is guaranteed issue, and provides guaranteed lifetime protection.

A guaranteed issue life insurance policy offers a small amount of life insurance, usually up to $20,000 with limited requirements. So, there's usually no health exam required and there may be no health questions asked, depending on the life insurance company and plan.

And, if you meet the age requirements, you are guaranteed to be approved for coverage. 

For instance,...
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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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