Guaranteed Acceptance Life Insurance - No Waiting Period!
Our agency can offer up to $100,000 of guaranteed life insurance with immediate coverage to almost anyone that is working at least 20 hours a week.
If you've been declined for insurance before, this could be your only option for life insurance protection without a waiting period. Continue reading our insider's guide to view actual rates by age or call us to get started today, Toll-Free: 855-247-9555
Here’s what we'll cover in this post:
Quick Article Guide
Here’s what we'll cover in this post:
If you have a serious health issue, or if you've been declined for life insurance before, you know how difficult it can be to find an acceptable policy. Most life insurance providers won't offer you a policy larger than $25,000 AND they'll make you wait two years for "full-coverage."
The good news is that, if you can answer "yes" to just one underwriting question, you qualify insurance. No invasive health questions, no interviews, and no medical exam required! Just simple and affordable full life insurance protection that starts the day you make your first payment.
"Do you work more than 20 hours per week and are you able to perform the duties of your occupation?"
If you can answer "yes" to this question, and are under the age of 75, you qualify for life insurance! In addition to an immediate death benefit, this policy also offers living benefits that can be accessed if you require critical care or are diagnosed with a terminal illness like cancer.
Our shopping services are free and there is no cost to apply for coverage. Give us a call today and we'll help you get started. Toll-Free: 855-247-9555.
In the table below we've provided some sample rates by age and gender for $50,000 of guaranteed issue life insurance without a waiting period. If you purchase one on these policies, your family or loved ones will be protected as soon as you make your first payment.
Sample Rates for $50,000 of Guaranteed Issue Life Insurance
|Current Age||Male & Female (Non-Smoker)||Male & Female (Smoker)|
If these rates don't fit your budget, we'll help you find the perfect policy for your needs. We can offer as little as $5,000 or as much as $100,000 of immediate guaranteed life insurance coverage without any health information. To obtain an accurate quote, click in the form below, or call us toll-free at 855-247-9555.
Guaranteed acceptance life insurance is a type of life insurance that is available to almost anyone, regardless of their health. No medical exam is needed for an approval and the insurance provider will not review your medical records. You are guaranteed to be accepted.
The trade-off with guaranteed life insurance policies is that they do not offer full coverage for two-years. This means that if you pass away from any health-related issue during this time, your family will not receive the full death benefit from your life insurance policy.
What if I don't want to wait two full years for full coverage?
Call us! If you are currently working at least 20 hours a week, we can offer you up to $100,000 of immediate coverage. No waiting period required. Your policy starts as soon as you make your first payment. Toll-Free: 800-247-9555.
What's the minimum age to qualify for guaranteed life insurance?
Most life insurance providers will not offer guaranteed acceptance life insurance to applicants that under the age of 40. Our agency can offer as much as $100,000 of coverage to almost anyone over the age of 21 if they are currently working at least 20 hours a week.
Why should I purchase guaranteed acceptance life insurance?
If you pass away, the death benefit from your life insurance policy can be used to provide for your loved ones and protect them from unforeseen medical bills, funeral expenses, burial costs, mortgage debt, and any other bills you may leave behind.
What is the best guaranteed issue life insurance?
The best guaranteed issue life insurance policy depends on your needs. If you need $40,000 or less in of coverage and you don't mind waiting two years for full protection, AIG, Gerber Life, or United of Omaha could be your best option.
If you need immediate coverage, are under the age of 45, or want more than $40,000, this is the only policy we're aware of that doesn't require a health exam or medical information. Our agency represents currently represents 63 life insurance providers and we are licensed in every state.
Purchasing guaranteed issue life insurance is as simple as picking up the phone and answering a few questions. No medical exam or health information is required for an approval, but your agent will need the following information to complete your application:
A Beneficiary - Who do you want to leave money to if you pass away? A life insurance beneficiary can be a family member, lender, business, business partner, trust, or a charity. Most people list their spouse of whomever will responsible for their end of life expenses.
Coverage Needs and Budget - Guaranteed acceptance life insurance is offered in $5,000 increments, so its helpful to have a budget in mind before you apply. Make sure you select a policy that is affordable so you won't risk losing your coverage down the road.
Contact Information - The life insurance company will need your complete mailing address, phone number, and email address. They'll also need your social security number and driver's license to confirm your identity before they issue you a policy.
Payment - Your coverage starts as soon as you make your first payment, so you'll need to provide your billing information when you apply. We recommend using a bank account to prevent your policy from lapsing if your credit card expires. Most policies are issued within 24 hours of approval.
Our independent agency has helped thousands of families and businesses with their life insurance needs, and we can help you too. Our impartial shopping services are completely free and we work with more than 50 insurance providers. Give us a call today, toll-free: 855-247-9555.
Managing Partner and Co-founder
Cliff is a licensed life insurance agent and one of the owners of JRC Insurance Group. He has helped thousands of families of businesses with their life insurance needs since 2012 and specializes with applicants who are less than perfect health. In his spare time he enjoys spending time with family, traveling, and the great outdoors.