Senior couple insurance

Guaranteed Life Insurance (2020 Updated)


A guaranteed life insurance provides insurer guarantee of acceptance. Gerber,AIG Insurance, Aarp acceptance from New York life and Colonial Penn are top companies providing guaranteed insurance.Many Insurance companies in US, take into consideration multiple elements when identifying if you are qualified for a life insurance policy. Specific elements such as pre-existing health and wellness conditions may make you a higher danger as well as uninsurable by an insurance company’s underwriting standards. Also for basic firms that will certainly supply you a policy if you are thought about a high-risk applicant, your rates may be much greater than those of a standard life insurance policy plan. Do not give up hope if you have been rejected life insurance coverage.There might still be choices available to provide you as well as your household the monetary safety and security you desire.

Top Guaranteed Issue Life Insurance Companies

If you are searching for a high-risk life insurance policy plan or a guaranteed acceptance policy (sometimes referred to as assured concern) life insurance policy policy, these firms are fantastic places to begin your search. Each business provides various options that might fit the unique financial scenarios of you and your family.

Gerber guaranteed acceptance life insurance

Gerber life insurance company has actually an ensured approval life insurance policy plan for people ages 50 to 80 where guaranteed acceptance life insurance is offered. No health and wellness inquiries are asked, as well as no physical exam is essential. Plan quantities are readily available varying in worth from $5,000 to $25,000. The Gerber life insurance company ensured acceptance life insurance policy accumulates a cash value of life Insurance which will certainly expand over the life of the plan

Guaranteed issue life insurance from AIG Direct

AIG Direct offers an assured issue whole life insurance policy that supplies coverage with no medical exam and also no health and wellness questionnaire to complete. This sort of policy is excellent for people seeking coverage to pay extra expenses including clinical expenses, funeral expenses or various other monetary commitments. The plan is ensured issue for individuals 50-85 that may not be insurable with various other strategies as a result of wellness issues. You can get a plan for up to $25,000 in protection that includes persistent disease and also incurable disease protection. Costs are ensured not to boost during the life time of the plan.

Colonial Penn life insurance

Colonial Penn markets assured approval life insurance policy beginning with rates of $9.95 per month. There are no pre-existing condition exemptions, no medical examination need as well as no rate increases due to any kind of factor. This plan is readily available to applicants ages 50 to 85. Insurance coverage quantities are readily available as much as $50,000. Colonial Penn has actually stayed in business for over 50 years. It is a subsidiary company of CNO Financial Group. The firm has an “A-” monetary strength score with A.M. Best insurance policy score company with a secure overview.

AAA Guaranteed Issue Insurance

Is AAA ensured concern life insurance policy the right business for you? Allow’s just state it’s always excellent to have options, specifically with such an important purchase like insurance coverage. At Guaranteed Issue Life, we stand for multiple leading ranked life insurance companies for high-risk candidates.

Picking AAA will certainly boil down to individual choice, yet we intend to help you make the most effective choice for you. In this AAA Life Insurance evaluation of their Guaranteed Issue Whole Life plan, we will certainly look at the pros, cons, and choices. Continue reading to see if it’s the right prepare for you.


Face Amount Range: $5,000– $25,000.

Age Availability: 45– 85.

State Availability: Not readily available in NY.

Rated Period: 24 months.

Premiums Returned: 30%.

Bikers: Travel Accident Endorsement.



The Guaranteed Issue Graded Benefit Whole Life Insurance strategy provides lifelong protection that never ever ends. It is designed to assist cover final expenses and is provided on an assured basis, indicating there are no health inquiries or a medical examination.

It includes a two-year rated benefit duration where beneficiaries will receive the total advantage quantity for unintentional reasons. If death occurs by non-accidental methods within the very first two years of insurance coverage, recipients will get total costs paid plus 30%. After the two years, the complete quantity of protection is assured to be paid, no matter what the cause of death.

Many seniors need guaranteed plan to protect their families with life insurance. The senior guaranteed plan is the best option.There are many different kinds of life insurance for seniors such as whole life insurance, universal life, variable life, and term life insurance. We recommend term for most families because it is the lowest in cost.

With term, you can have a guaranteed monthly payment for 10, 20, and even 30 years. Term insurance does not build up any “cash values” so therefore it is less expensive than whole life or universal life. For further queries please read life insurance FAQ’s.

Although you can get what they call “non-guaranteed term” we strongly suggest to only get a guaranteed plan. What good is a plan that you assume will have a one set payment for the entire period and then they raise the rates on you?

M-Life Insurance offer plans with the top life insurance companies in the United States. Some of the carriers are Prudential, West Coast Life, Transamerica, Fidelity Life, and American General

Affordable Insurance for Seniors Guaranteed to Age 100

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Permanent insurance provides lifelong protection. As long as you pay the premiums, the death benefit will be paid. These policies are designed and priced for you to keep over a long period of time. You pay a level premium that does not go up in cost once you have the plan.

Permanent policies are known by a variety of names like: whole life, ordinary life, universal life, adjustable life, and straight life. Most have a feature known as cash value or cash-surrender value. This feature is not found in term insurance policies.
Permanent Life policies generally cost more than term policies. With term insurance you pay less because the policies are only for a specific term and then they will expire. If you want to provide coverage for your family for the rest of your life, this is the coverage you need. Apply today for the best rate you’ll ever have.

Guarantee Trust Life Insurance Company’s (GTL) whole life plans provide guaranteed protection and level rates for a lifetime.

Whole life insurance Plan

 sometimes called straight life or permanent life policies also known burial insurance policy provides protection for your entire life at guaranteed fixed premium (qualified eligible applicants). GTL offers three plans based on demographics and health history.

Insurance Plan: Great health means great rates. It is important that you insure your insurability. This is the time for you to buy insurance because you never know what the future holds and you should lock in the great rates guaranteed for life.

  • Issue ages: 6 months – 65 years of age
  • Insurance Death Benefits available:
    • $10,000 – $50,000 for ages 6 months to 49
    • $3,000 – $25,000 for ages 50 to 65

 Ok, so you have had a minor health setback, overweight, or over the age of 65. The Standard plan is a whole life policy that provides guaranteed protection for life at guaranteed standard rates. These rates are guaranteed to stay level for life.

  • Issue ages: 6 months – 85 years of age
  • Death Benefits available:
    • $10,000 – $50,000 for ages 6 months to 49
    • $3,000 – $25,000 for ages 50 to 85

*Graded Insurance Plan: Not everyone has a clean bill of health so the graded plan was designed to accommodate situations where clients do not qualify for the preferred or standard plan.
Many times this is the last option available for individuals to qualify for whole life insurance.

  • In the event of your death during the first two policy years, GTL will return the premium paid plus 10%. GTL will pay full benefits thereafter. (MN applicants see note #1)
  • Accidental Death Benefit: Full benefits for accidental death from the first day the policy is issued. (Not Applicable in: AR)
  • Issue ages: 50 to 80 years (MN applicants see note #2. MO applicants see Note #3)
  • Death Benefits available:
    • $3,000 – $25,000 for ages 50 to 80

Insurance Living Benefits:
GTL’s Whole Life plans also contain Living Benefits, which allow you to receive 75% of the death benefit in the event of a terminal illness or permanent nursing home confinement. This Benefit is added to your coverage at no extra cost. (Living benefits are not available on the graded plan.) (Nursing Home Trigger not available in KS and OK) (Living Benefit Rider not available in MD, MA, NJ, PA, SC, TX, VT & VA)

Insurance Underwriting Requirements:

  • 5-minute online quote & application – the online system will qualify you for what plan (preferred, standard, graded, none) you are eligible to receive based on your input into the online quote/application engine.
  • Life insurance with No Medical Exam
  • Ages 76 and over – telephone interview

Insurance Plan Exclusions:

The following exclusion applies:
Guarantee Trust Life Insurance Company will not pay life insurance benefits for suicide while sane or insane (in MO, only while sane) before coverage has been in force for two years.

The actual contract will state what your specific benefits are precisely seniors


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