Turned down for life insurance? Here, you can’t be declined.
No medical exam. No health questions. Automatic acceptance for ages 18–85 (varies by carrier) — no matter your diagnosis, medications, or past declines. Compare multiple top-rated carriers in one place.
See your guaranteed rate
Takes about 2 minutes — acceptance is automatic.
Please complete your date of birth.
🔒 No contact info needed to see your options
You will work with me, not a call center
I am Phillip Chin, an independent broker with 18+ years of experience helping people with serious health conditions get covered. I compare the carriers myself, answer your questions personally, and I am paid by the carriers, never by you.
Meet Phillip →
American-Amicable
GTLHow guaranteed acceptance works
No medical exam. No health questions. No way to be turned down. Here is the whole process:
Tell us your age & state
That is genuinely all a guaranteed issue policy needs. Your health history, medications, and diagnoses are never asked about — acceptance is automatic between the eligible ages.
Compare your real options
We quote multiple guaranteed acceptance carriers side by side — and if your health qualifies you for something better and cheaper, we will tell you that too.
Covered in minutes
Apply over the phone in about 10 minutes. Your rate is locked for life, the policy can never be canceled for health reasons, and it builds toward full coverage from day one.
Covered — no matter your health condition
These are the situations other companies decline every day. With guaranteed issue coverage, every single one is accepted — automatically.
Do not see your situation? It does not matter — guaranteed issue means no health questions at all. See your rate in 2 minutes →
What guaranteed acceptance actually costs
Sample monthly rates for $10,000 of guaranteed issue whole life — no exam, no health questions. Rates are locked for life and never increase.
| Age | Female | Male |
|---|---|---|
| 50 | $28–$38/mo | $36–$48/mo |
| 55 | $33–$45/mo | $43–$58/mo |
| 60 | $41–$55/mo | $53–$70/mo |
| 65 | $52–$69/mo | $67–$88/mo |
| 70 | $68–$90/mo | $88–$115/mo |
| 75 | $92–$122/mo | $118–$155/mo |
| 80 | $128–$170/mo | $162–$215/mo |
Estimates across multiple carriers; your exact rate depends on age, state, and coverage amount. The truth about the waiting period: most guaranteed issue policies pay limited benefits in the first 2 years (typically a refund of premiums plus interest), then the FULL benefit from year two or three on. Accidental death is usually covered in full from day one. Anyone who hides this from you is not being straight — it is the fair trade for skipping every health question.
Guaranteed issue is not your only option
Plenty of people who think they can only get guaranteed acceptance actually qualify for more coverage at a lower price. Here is the honest hierarchy — we always check from the top down:
Level Benefit
A few health questions, no exam. Full coverage from day one at the lowest price.
- Day-one full death benefit
- Controlled diabetes, blood pressure, past cancers often OK
- Always worth checking first
Simplified Issue / Graded
Easier questions, modified payout schedule. Good for moderate conditions.
- Partial benefit early, full benefit after 1–2 years
- COPD, heart history, recent treatment often accepted
- Cheaper than guaranteed issue
Guaranteed Issue
Zero health questions. Acceptance is automatic. The safety net that always works.
- No exam, no questions, no decline — ever
- 2-year graded period, then full benefit for life
- For the conditions everyone else refuses
An independent broker vs. the TV ads
| Feature | GuaranteedLifeInsured | TV / Direct Mail | Single-Carrier Sites |
|---|---|---|---|
| Compares multiple guaranteed issue carriers | ✔ | ✘ | ✘ |
| Checks if you qualify for BETTER than guaranteed issue | ✔ | ✘ | Rarely |
| Explains the waiting period upfront | ✔ | Fine print | Varies |
| Rates locked for life | ✔ | Some increase by age band | Varies |
| Talk to a licensed human | ✔ | Call center | Varies |
| Cost to use | $0 — ever | $0 | $0 |
Free download: Funeral Cost Planning Checklist
Every cost your family would face, the decisions to make ahead of time, and the paperwork to gather. Two pages, from my desk to yours.
I will never sell your information. You may get one follow-up note from me, and that is it.
The situations we solve every week
These are illustrative example scenarios — shown so you can see how coverage works for situations like yours. Real client reviews are coming as our clients share them.
A 67-year-old on dialysis is declined by two carriers and told to give up. Guaranteed issue accepts her automatically — $15,000 locked in at a fixed rate, no questions asked.
A 58-year-old man eight months past a heart attack assumes he is uninsurable. A graded-benefit policy accepts him at a lower price than guaranteed issue — because we checked the better options first.
A daughter arranging coverage for her 74-year-old mother with dementia gets a guaranteed issue policy in place in one phone call — with power of attorney handled correctly.
Free tools to find your best option
No personal info needed — get a ballpark in under a minute.
How much coverage do I need?
A quick estimate based on what you would want your policy to cover.
Will I likely qualify?
Answer three quick questions for an instant read on your best path. Educational only, not an approval.
You may qualify for the lowest rates
With no recent major conditions, you can likely be approved through simplified issue or a level-benefit plan — the best pricing and day-one coverage.
Get my real quote →Final approval and rate are set by the carrier.Simplified issue is a strong fit
A few easy health questions, no medical exam, fast approval, and often a lower rate than guaranteed acceptance.
Get my real quote →Subject to carrier underwriting.Guaranteed acceptance is your sure path
No health questions and no exam — acceptance is guaranteed for ages 18–85 (varies by carrier). Coverage has a graded benefit for about the first two years.
Get my real quote →Guaranteed issue contains a graded death benefit.Compare your three paths
Tap a coverage type to see how they stack up.
- Health questionsNone
- Medical examNo
- AcceptanceGuaranteed (18–85, varies by carrier)
- Cost per dollarHighest
- Waiting periodAbout 2 years
- Health questionsA few
- Medical examNo
- AcceptanceMost approved
- Cost per dollarModerate
- Waiting periodUsually none
- Health questionsFull
- Medical examSometimes
- AcceptanceHealthier applicants
- Cost per dollarLowest
- Waiting periodNone
Questions everyone asks
Is there really no way to be declined?
What is the catch?
Will my rate ever go up, or my policy get canceled?
I was declined before. Does that matter?
Could I qualify for something cheaper than guaranteed issue?
How fast can coverage start?
Why Guaranteed Acceptance Life Insurance Exists
Traditional life insurance was built for healthy applicants: exams, medical records, and underwriters trained to say no. That system leaves out millions of people — cancer survivors mid-treatment, dialysis patients, anyone on home oxygen, families dealing with dementia, and everyone holding a decline letter. Guaranteed acceptance coverage was created for exactly this gap: the carrier asks nothing, accepts everyone in the age window, and balances that promise with a two-to-three-year graded benefit instead of questions.
That trade is worth understanding before you buy, which is why every guide on this site explains the waiting period in plain English — including when this product is not your best option. Roughly half the people who contact us assuming they need guaranteed issue actually qualify for simplified issue coverage: 20%–40% cheaper, often with full day-one protection. We check that first, every time. The result is simple: you end up in the cheapest policy that will genuinely take you, with the fine print explained before you sign — not after.
Work Directly With Phillip
GuaranteedLifeInsured.com is run by one licensed agent — Phillip Chin (NPN #8895251) — not a lead farm that sells your phone number to five strangers. Phillip is independent, which means he works for you, not for any single insurance carrier: quotes come from Gerber Life, Corebridge (AIG), Aetna, GTL and CICA Life side by side, and the recommendation is whichever policy fits your health situation at the lowest cost. Clients are served nationwide by phone, and every quote includes the waiting-period terms in writing. Read more about how Phillip works, or call (215) 999-3168 for a straight answer about your situation.
Start With the Right Guide for Your Situation
Every guide answers the same three questions honestly: can you get covered, what will it cost, and what is the catch?
Declined Before?
Why declines happen, what they do to your Medical Information Bureau file, and your 3-step comeback plan.
Read the guide →Your Health Condition
Eleven condition-specific guides — cancer, dialysis, COPD, heart, stroke, dementia and more — with real rates.
Find your condition →Level vs. Graded Benefit
The difference that decides what your family is actually paid — explained with real payout schedules.
See the comparison →No exam. No health questions. No pressure. Just your real options from multiple top-rated carriers — explained honestly, waiting period and all.
Get My Guaranteed Quote →Call (215) 999-3168