Start Your No Obligation Quote Today Online!
Enter Your
Zip Code
  • Guaranteed Approval
    Up to age 80
  • Up to $100,000 in coverage.
    No Medical Exam
  • Easy Online Enrollment
    & Quoting Process

Guaranteed Acceptance Life Insurance For Seniors

Shopping for guaranteed life insurance for seniors can be a big job for just about anyone. You have to choose between things like guaranteed whole life insurance, term life insurance or funeral insurance, for example. Then, you have to make a comparison of the different companies and their rates. Finally, you have to go through the whole application process. Along the way, you might be hoping for no Medicare exam and no health questions.

Even though it’s true that shopping for guaranteed life insurance seniors can definitely be a hassle for adults of any age, it can be particularly stressful for senior citizens and elderly adults. For example, if you or your parents have health issues, you might be worried about finding an insurer that will accept you. You might also be particularly concerned about making a comparison of premiums and life insurance policies with no waiting period; after all, you might be concerned that your coverage won’t be affordable because of your health issues or your age, and you probably want to find the best cheap company that you can.

We deal with people on a daily basis who are dealing with all of these issues, and we work hard to help each customer find a guaranteed life insurance policy that he or she can afford. For elderly adults and the adult children who want to help their senior parents, our online comparison tool can be the best option for finding good, cheap coverage.

What is Guaranteed Life Insurance?

You have probably heard of guaranteed life insurance, and even though you might get the gist of what it means, you could still be a bit unsure of what to expect. For example, you could be wondering what “burial insurance with no waiting period” means, and you could wonder if it’s actually true that you can get guaranteed life insurance with no health questions.

As the name suggests, guaranteed acceptance life insurance is a type of life insurance that is designed for those who don’t necessarily qualify for more traditional policies. It is a type of whole life insurance; however, many people sign up for these policies as senior citizens or elderly adults, often between the ages of 50 and seniors over age 80. Also, those who choose guaranteed life insurance for seniors often have health problems of some sort and are hoping that they can buy guaranteed life insurance with no medical exam.

Luckily, guaranteed life insurance with no medical exam and guaranteed life insurance with no health questions are more common than many people realize. In fact, you can choose from options from some of the biggest and most well-known companies in the business. Also, since seniors are often looking for budget-friendly guaranteed life insurance for seniors, it’s good to know that many of these companies offer affordable options as well.

What are the Advantages of Guaranteed Life Insurance?

If you have had trouble finding coverage in the past, you could think that you are completely out of options. Some people end up going without life insurance completely because they don’t realize that there are life insurance policies with no waiting period that have an easy application process and that don’t require you to have a medical exam done or that don’t ask you a ton of health questions. Especially popular among seniors, guaranteed burial insurance with no waiting period has a ton of benefits. These are some of the reasons why it might be the right type of life insurance plan for you:

  • You Don’t Have to Worry About Not Getting Approved: Senior life insurance with no waiting period is a perfect option for seniors who have had health issues in the past or who might be dealing with health issues right now. As you might have already learned, some insurance companies are incredibly strict with their underwriting. Even if it’s been years since you’ve dealt with a major health issue or even if your health problems are minor, you might find that you get disqualified from the plan. With guaranteed acceptance life insurance with no waiting period, you don’t have to worry about not getting approved. In fact, you won’t even have to have a medical exam done at all, and you won’t be asked a bunch of questions about your health, either.
  • Prices Can Be a Lot More Reasonable: Now that you are getting older, you might not think that you can afford burial insurance with no waiting period. After all, you might assume that burial insurance with no waiting period will be expensive, and as a senior, you might not have much of an income coming in. The good news is that these policies are designed to have reasonable premiums. These policies have low face values so that seniors can purchase senior life insurance with no waiting period for a price that they can afford.
  • Your Family Will Be Covered: One of the main benefits of guaranteed acceptance life insurance with no waiting period for seniors is the fact that it provides money that your family might need when you pass away. Funerals are expensive, and without life insurance with no medical exam and no waiting period, your family might not be able to cover the cost. If you can secure life insurance without a waiting period, you will know that your family is covered and will be able to pay your final expenses. This is a common problem that many seniors worry about, so life insurance with no medical exam and no waiting period can provide a lot of peace of mind.

What are the Disadvantages of Guaranteed Acceptance Life Insurance?

Unfortunately, as with anything related to life insurance, life insurance with no medical exam and no waiting period does have some disadvantages. These are a few of them:

  • Face Values are Usually Low: If you are hoping to leave a large sum of money behind for your beneficiary, you should know that face values on life insurance with no medical exam and no waiting period are usually quite low. Even though they might be enough to cover funeral expenses, they often aren’t enough to pay for much else.
  • There Might Be a Waiting Period: Unfortunately, even though you should be able to find life insurance that is guaranteed, you might not be able to find guaranteed acceptance life insurance with no waiting period. In some cases, you may have to sign up for life insurance that has a waiting period or a graded benefit.

Even though there are some disadvantages to guaranteed acceptance life insurance with no waiting period, many seniors find that it’s the right choice for them. Plus, when buying life insurance, you can help ensure that you are happy with your decision by working with us at United Life Group.

Here at United Life Group, we specialize in helping people find the right life insurance for them. Not only are we licensed in multiple states across America to sell term life insurance for seniors, but we help people find whole policies and funeral policies. We know which companies are the top ones in the business, and we’ll make it simple for you to find a plan that you can afford and that offers what you’re looking for. Our website has a tool that you can use to shop for plans, or you can give us a call and talk to one of our experienced, dedicated professionals to find out more about your options.

Are You or Your Senior Parent a Good Candidate for Guaranteed Life Insurance?

Many seniors are good candidates for guaranteed acceptance life insurance with no waiting period. These are a few signs that a guaranteed plan might be right for you or your mom or dad:

  • You Have Health Issues: As you’re getting up in age, you might be dealing with health issues that you never dealt with before. Some of them could prevent you from securing a life insurance plan. However, guaranteed plans are designed specifically for people in your situation, so you can buy a plan, even if you’re an older senior who’s had multiple health problems in the past.
  • You’re On a Budget: Buying life insurance isn’t always cheap, particularly when you do it at a later age. Because of the lower face values of these plans, premiums are usually incredibly affordable.
  • You’ve Been Denied by Other Companies: Some of the people who come to us for help have been trying to secure life insurance for a long time. A lot of them are stressed out and think that they have run out of options. Regardless of why you’ve been turned down, guaranteed acceptance can be a good option that can help you secure a plan,
    no matter how bad your luck has been in the past.

If you’re still unsure, you can contact us at United Life Group or use our internet-based tool. Then, you can get an idea of the types of life insurance that are available for you.

What are the Different Types of Guaranteed Acceptance Life Insurance?

What you might not realize is that when you’re looking for guaranteed plans, you have a few different options. The type of plan that you qualify for

  • Burial Insurance with No Waiting Period: Ideally, you will be able to find guaranteed life insurance no waiting period. With guaranteed life insurance no waiting period, your plan will be in full force from the first day that it is purchased. This means that your beneficiary will be covered in the event that something happens. If you work with United Life Group, we will work hard to help you find guaranteed acceptance life insurance with no waiting period.
  • Graded Benefit: Sometimes, insurance companies do not offer burial insurance with no waiting period. In these cases, seniors are sometimes able to purchase a policy with a graded benefit. If you end up with this type of policy, your beneficiary will not be able to collect the entire value of the policy if you pass away within the first few years after buying it. However, your beneficiary will get a percentage. For example, if death occurs during the first year that the plan is in force, the company might only pay out 25 percent of the plan’s value. If death occurs in the second or third year, the company might pay out 75 percent of the value. After the third year, the plan should be in full force. Even though this is not the ideal option,
    it can be much better than having to deal with an actual waiting period.
  • Life Insurance with Waiting Period: Unfortunately, in some cases, we are not able to find life insurance with no waiting period for seniors. Fortunately, this does not happen very often; we are usually able to at least find a plan with a graded benefit. However, some individuals do have to undergo a 24-month waiting period before their beneficiary will be able to collect the death benefit. This is one reason why it’s not a good idea to wait to start shopping for burial insurance with no waiting period; we might be able to help you find a plan with no waiting period, but if we can’t, it’s important to buy a plan as soon as possible so that you can get started with the waiting period now.

How Much Does a Guaranteed Life Insurance Policy Cost?

Because of the relatively low coverage amounts that go along with guaranteed life insurance, the costs are often surprisingly low, even for older seniors. However, the amount that you will pay for your coverage will vary widely depending on a number of different factors, including the state that you live in and the company that you choose to purchase your life insurance from.

Of course, there are a couple of ways that you can keep your costs down when buying senior life insurance no waiting period, including:

  • Shopping around to find out premiums from multiple guaranteed life insurance companies
  • Choosing a lower face value

If you’d like to shop around for guaranteed life insurance companies that offer life insurance with no waiting period, you should know that this is a lot easier than many people realize. When shopping for the lowest rate on insurance, many people envision themselves having to make phone calls to several different insurance companies. Even nowadays, with the help of online quote tools, a lot of seniors assume that they will have to fill out their information on multiple websites in order to get information from multiple companies. All of this can seem incredibly exhausting when all you want is to purchase a simple but reliable plan.

Fortunately, guaranteed acceptance life insurance can be cheaper and easier to shop for than you realize. This is something that we are here to help you do. For reference purposes, we decided to look up guaranteed acceptance life insurance quotes so that you can see some of the premiums that other people are paying. Of course, quotes for guaranteed life insurance for seniors do vary; your age, tobacco use status and state all have an impact. If you find your state below, however, you can get an idea of what other seniors are paying for their guaranteed life insurance, all from top companies. Some of these quotes are even for guaranteed acceptance life insurance with no waiting period, while others do have a short waiting period. Either way, when you enter your information, you will be able to get more accurate quotes for your age and other info, and you can also choose between life insurance with no medical exam and no waiting period and policies that are graded or that have a waiting period.

Florida
Guaranteed life insurance for a 70-year-old man who does not use tobacco:

  • $5,000: $44.41
  • $10,000: $87.91

Illinois
A guaranteed life insurance policy for a 68-year-old female who does not use tobacco:

  • $5,000: $31.81
  • $10,000: $62.70

Texas
Life insurance for a 69-year-old non-smoking female from one of the top guaranteed life insurance companies:

  • $5,000: $33.28
  • $10,000: $65.63

Pennsylvania
Guaranteed life insurance with no health questions for a 60-year-old non-smoking male:

  • $5,000: $28.78
  • $10,000: $56.65

New Jersey
Guaranteed life insurance with no medical exam for a 65-year-old male who does not use tobacco products:

  • $5,000: $34.60
  • $10,000: $68.29

California
Life insurance for a 70-year-old female who is a non-smoker from a top company that offers insurance with no health questions:

  • $5,000: $34.83
  • $10,000: $68.75

North Carolina
Guaranteed acceptance life insurance with no health questions for a 70-year-old male who doesn’t smoke or use other types of tobacco:

  • $5,000: $44.41
  • $10,000: $87.91

New York
A 64-year-old man who doesn’t smoke can get a guaranteed life insurance policy from a top company with no health questions for:

  • $5,000: $33.23
  • $10,000: $65.54

Michigan
A 64-year-old non-smoking female can secure a guaranteed life insurance policy from a top company for:

  • $5,000: $26.98
  • $10,000: $51.97

Ohio
A 61-year-old non-smoking male can get a reliable life insurance policy from one of the best-rated guaranteed life insurance companies for these reasonable rates:

  • $5,000: $29.79
  • $10,000: $58.67

Arizona
A 69-year-old female who doesn’t use tobacco products can get guaranteed life insurance for seniors for:

  • $5,000: $33.28
  • $10,000: $65.63

Virginia
A 69-year-old male who doesn’t smoke can get guaranteed life insurance for seniors for these low rates:

  • $5,000: $42.17
  • $10,000: $83.42

Indiana
Guaranteed life insurance for seniors can be found for a 61-year-old non-smoking female for:

  • $5,000: $24.26
  • $10,000: $46.52

Georgia
A 65-year-old man who has never been a tobacco user can get guaranteed acceptance life insurance for seniors for these affordable monthly premiums, all while working with a number-one provider:

  • $5,000: $34.60
  • $10,000: $68.29

Missouri
A non-tobacco user who is female and 68 years old can secure guaranteed life insurance for:

  • $5,000: $31.81
  • $10,000: $62.70

Massachusetts
Guaranteed acceptance life insurance for seniors can be found for a non-smoking 70-year-old man for:

  • $5,000: $44.41
  • $10,000: $87.91

Iowa
A 70-year-old female non-smoker can get guaranteed life insurance with no medical exam:

  • $5,000: $34.83
  • $10,000: $68.75

Wisconsin
A 60-year-old female who doesn’t smoke can find guaranteed life insurance with no medical exam from a top company at these reasonable monthly rates:

  • $5,000: $23.57
  • $10,000: $45.14

Washington State
A 66-year-old female who isn’t a tobacco user can enjoy these reasonable premiums for guaranteed acceptance life insurance for seniors:

  • $5,000: $29.24
  • $10,000: $57.18

South Carolina
A top guaranteed life insurance provider offers these premiums for a 65-year-old man who isn’t a tobacco user:

  • $5,000: $34.60
  • $10,000: $68.29

How Can You Buy a Guaranteed Acceptance Life Insurance Policy?

If you live in one of these states or elsewhere across the nation, United Life Group can help you find guaranteed life insurance. You might even be able to find senior life insurance with no waiting period:

  • South Carolina
  • Washington State
  • North Carolina
  • Arizona
  • Georgia
  • Wisconsin
  • Missouri
  • Michigan
  • Iowa
  • Texas
  • New York
  • California
  • New Jersey
  • Illinois
  • Florida
  • Pennsylvania
  • Ohio
  • Indiana
  • Virginia
  • Massachusetts

We understand that everyone’s needs are different when it comes to life insurance. Senior citizens and elderly adults often can’t benefit from standard term life insurance or whole life insurance and instead look for funeral insurance. Because we work with a lot of seniors and the adult children who are shopping for their parents, we decided to make things easy for elderly adults to shop around for guaranteed acceptance life insurance. That’s why we built our handy internet quote tool.

Of course, we understand that some people, senior citizens, in particular, aren’t a big fan of doing things on the web. If you find the online method to be most convenient, that’s great. If not, we can still help you out. Just give us a call and let us know that you’re looking for guaranteed life insurance for seniors. Then, we’ll run your information through our database of top-rated providers, and we’ll give you a few quotes. This can save you a ton of time and money, and you’ll have the option to talk to an experienced insurance professional through it all. This can make the whole process of shopping for guaranteed life insurance for seniors a whole lot easier, and it can save you a ton of money, too. In no time, you’ll finally have the funeral insurance that you need, and you can do it with no Medicare exam, no health questions, and no hassle.

If you’re an adult child who is looking to help a senior in your life, such as your mom or dad, you should know that you can get started right here on our website as well. Of course, your senior parent is going to need to be a part of the application process as well, but you can do a ton of the legwork yourself right here. As someone who might be helping a lot with your senior loved one’s care, being able to check shopping for whole life insurance off of your list with ease is sure to make things easier. We will even help with the application process to make things easy.

We are here to help. Get started with our online comparison tool today so that you can find affordable whole life insurance for yourself or the seniors in your life. When you do, you’ll be able to find the best cheap rates for your parents or yourself. Plus, you’ll know that you are going with one of the best-guaranteed life insurance companies in the business. Start entering your information or the information for your parents so that you can find burial insurance with no waiting period today. If you would prefer to speak to an expert on the phone, you can contact us at United Life Group to find out how we can help.