Frequently Asked Questions
Q: What is guaranteed acceptance life insurance?
A: Guaranteed issue life insurance provides life insurance coverage to applicants with health or lifestyle issues that may prevent them from qualifying for a traditional term or whole life insurance policy with a medical screening.
Q: Do I need a medical exam to qualify for coverage?
A: No, you will not need to complete a medical exam to qualify for a Guaranteed Acceptance policy from the Boston Mutual Life Insurance Company.
Q: Will my rates ever increase in the future?
A: No, with Boston Mutual's Guaranteed Acceptance policy, your life insurance premiums will never increase, regardless of any changes to your age, health, or lifestyle.
Q: How much life insurance coverage can I buy?
A: Boston Mutual's Guaranteed Acceptance policy offers $5,000 to $100,000 of coverage to working applicants between the ages of 18 and 70.
Q: Can my life insurance policy be canceled for any reason?
A: The life insurance company cannot cancel your life insurance policy for any reason if your premiums are paid, regardless of any health or lifestyle changes. If you decide to cancel your policy, you can do so at any time without penalties or fees.
Q: What do I need to know before buying a life insurance policy?
A: Before shopping for life insurance, we recommend reviewing your coverage needs and your budget to determine how much coverage you afford. Keeping your policy affordable could prevent you from falling behind on payments and losing coverage in the future.
Q: How much life insurance do I need?
A: Everyone’s need for life insurance is different, and some people need more life insurance protection than others. Guaranteed issue policies are not designed to provide a replacement income, they were created to leave money behind for outstanding debt, final expenses, and burial costs.
Q: Who should I list as my beneficiary?
A: A life insurance policy’s beneficiary can be an individual(s), a trust, a business, a charity, or an estate. The beneficiary listed on your life insurance policy will receive the death benefit from your life insurance policy when you pass away.
*To qualify, applicants must be working at least 20 hours per week, and not collecting any form of disability income or SSDI.
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What Is Whole Life Insurance?
The Boston Mutual Insurance Company offers guaranteed acceptance whole life insurance to all qualified applicants until the age of 70. These policies are designed to provide fixed coverage and level rates for your lifetime.
This whole life insurance policy also includes accidental death benefits that pay double or triple the face amount of your policy if you die in an accident.
What our clients say
Wonderful and intuitive attention
This message is for your entire staff. Thank you all for the wonderful and intuitive attention I received during this experience. I so appreciated knowing what to expect and what was expected of me during the entire process. Kudos to you all!
Attentive and professional
A great thanks to Cliff who has been attentive and professional throughout the process.
The process was effortless
Jason and his team provided me outstanding service. From my initial e-mail requesting insurance quotes to my physical to getting me the best quote possible, the process was effortless.Thanks JRC.