Coverage Guaranteed - No Medical Exam Required. Get approved today regardless of your health history. Plans starting at $30/month with fixed rates that never increase.
Get Guaranteed Coverage NowIt’s coverage you can get without health questions or a medical exam. If you meet age requirements, approval is guaranteed and premiums are fixed for life.
It’s ideal if you have significant health issues or were declined elsewhere and want coverage to help with final expenses.
Many plans include a graded benefit period (often two years) for non‑accidental death; accidental death is typically covered immediately.
Guaranteed acceptance insurance is a type of life insurance that provides coverage regardless of your health status, medical history, or pre-existing conditions. As the name suggests, you are guaranteed to be accepted for coverage as long as you meet the basic age and residency requirements.
If your goal is specifically to cover funeral and end‑of‑life costs, you may also consider our Final Expense life insurance options designed for $5,000–$35,000 in lifetime coverage.
Guaranteed acceptance life insurance is coverage you can get without health questions or a medical exam. As long as you meet age requirements, approval is guaranteed; premiums are fixed for life and coverage is designed to help with final expenses.
No health questions, no medical exams, no rejections. If you meet the basic requirements, you're approved.
Your medical history, current health conditions, and medications don't matter. Everyone gets approved.
No blood tests, no physical exams, no doctor visits required. Apply from the comfort of your home.
Your monthly premium stays the same for life - guaranteed. No rate increases ever.
Most applications are approved in minutes, with coverage starting the same day.
Your family is protected right away, giving you peace of mind from day one.
Guaranteed acceptance insurance is ideal for individuals who may have difficulty qualifying for traditional life insurance due to health concerns or pre-existing conditions.
All of these conditions are automatically covered with guaranteed acceptance insurance:
Type 1, Type 2, or gestational diabetes
Heart attacks, bypass surgery, stents
All types, including current and past diagnoses
Hypertension and related conditions
COPD, emphysema, asthma
Stroke, kidney disease, liver disease, and more
Important Note: While guaranteed acceptance insurance provides immediate coverage, some policies may have a 2-year waiting period for death benefits related to natural causes. Accidental death benefits are typically available immediately.
| Feature | Guaranteed Acceptance | Traditional Insurance |
|---|---|---|
| Health Questions | ✓ None | ✗ Extensive |
| Medical Exam | ✓ Not Required | ✗ Usually Required |
| Approval Rate | ✓ 100% | ✗ Varies |
| Application Time | ✓ Minutes | ✗ Days/Weeks |
| Coverage Start | ✓ Same Day | ✗ After Approval |
| Pre-existing Conditions | ✓ Covered | ✗ May Exclude |
| Premium Stability | ✓ Fixed for Life | ✓ Usually Fixed |
| Coverage Amounts | ✗ $5,000 - $25,000 | ✓ $10,000 - $1,000,000+ |
Key Takeaway: Guaranteed acceptance insurance prioritizes accessibility and speed over coverage amounts. It's perfect for individuals who need immediate protection and can't qualify for traditional insurance due to health concerns.
Guaranteed acceptance insurance offers flexible coverage amounts to fit different needs and budgets. Premiums are based primarily on age and coverage amount, not health status.
Note: Premiums are fixed for life and will never increase, regardless of changes in your health or age. The rates shown are examples and may vary by carrier and location.
Don't let health concerns prevent you from protecting your family. With guaranteed acceptance insurance, you can get the coverage you need regardless of your medical history. Apply today and get approved in minutes.
Call our specialists: (484) 729-8157