Guaranteed Life Insurance for Seniors

guaranteed life insurance for seniors

Securing Guaranteed Life Insurance for Seniors has never been easier. With just a few steps and a little time, you can take care of one of your greatest needs- protecting your family from the high cost of paying final expenses. Many times people put off this important purchase because there isn’t a sense of urgency. However along with those delays can sometimes mean a change in health circumstances has caused a more time sensitive reason to put life insurance into place. Even if you have a newly diagnosed condition, heart disease, lung disease or cancer, Guaranteed Life can help you secure a guaranteed life insurance for seniors plan to meet yours and your family’s needs.



Apply- quick and easy application process is the best feature of a guaranteed life insurance for seniors plan. Because the plan will be automatically approved, the questions are brief and simple to answer. There are no medical questions and the only requirement is to be between the ages of 40-85.  You can begin the application process online or call one of our specialized life insurance agents to help you through the application process. This will take take less than 10 minutes start to finish. It’s that simple!


Choose a plan- Upon approval or even beforehand, you will be presented with a variety of death benefit amounts along with the monthly premium for each plan for different guaranteed acceptance companies. Depending on your age, one company might have a better rate than another. That is why using a broker such as Guaranteed Life can save you time and money as we are able to narrow down the choices so you can get the most coverage at the lowest rates.


Submit- Guaranteed Life submits your application with the life insurance companies who specialize in guaranteed life insurance for seniors. These are A-rated insurance companies that you can count on to pay your death benefit when the time comes. The approval is immediate and you will have your policy number within minutes.


Approval and payment verification- After you choose a senior whole life plan, you will confirm your choice and provide payment information. We are able to be flexible and choose the exact day of the month that works best for your budget. Some people want the plan to be effective immediately so they choose an immediate date. Other clients prefer a certain time of month for the payment and that is more important so they set the date of their preference. It’s best to start your guaranteed life insurance for seniors plan immediately so you get your waiting period behind you.

FAQs – Here are some frequently asked questions regarding Guaranteed Life Insurance for Seniors:

How can the insurance companies approve everyone without medical questions?

This feature is what makes guaranteed life insurance for seniors so valuable to our clients. Regardless of health history, current or past medical problems, Guaranteed Life can place anyone ages 40-85 with companies who offer automatic approval for their life insurance plans. The way they can offer this option is because these plans have a two year waiting period before the death benefit is paid out unless death is due to accidental causes. Through the two year waiting period, they are able to offer this amazing coverage and approve ALL applicants who qualify by their age.

Can you avoid a two year waiting period?

The answer is sometimes. Some of our applicants qualify for plans without a two year waiting period. Guaranteed Life can help you with a slightly longer application with some yes and no health questions and look at the numerous companies we work with to see if there is a match for your health profile. If that doesn’t work out, you can always go with the guaranteed life insurance plan as a back-up.

Can the guaranteed acceptance life insurance plan be cancelled if my health worsens?

Absolutely not!  Not only are the guaranteed life insurance plans guaranteed for approval, they are guaranteed never to be cancelled as long as monthly payments are made. Additionally, the monthly premium is guaranteed never to increase regardless of aging or newly developed health problems. The payment stays the same and the life insurance cannot be cancelled as long as payments are made.

Is guaranteed life insurance for seniors the same as guaranteed issue whole life insurance?

Yes it is. Guaranteed issue life insurance is also known as a specialty whole life insurance plan, burial insurance, funeral insurance and even a few more names. This broad range of plans serves a single purpose. They cover the insured for their WHOLE life- meaning the life insurance plan never expires. That is why it is called whole life insurance. The guaranteed acceptance or guaranteed issue name comes into play because it reflects that approval is guaranteed for those who qualify by age.


guaranteed life insurance for seniors

Your next step is to click GET QUOTES NOW or call us at 800-517-0810 so one of our licensed agents can assist you with your application. The process takes just minutes and you will have the peace of mind knowing you have taken steps towards protecting your family from the expensive final expenses that occur with a funeral services, memorial services, paying debts, legal fees, and other costs. Let Guaranteed Life help you with your next steps… get INSTANT quotes from several companies like AIG, Gerber, Great Western and more.