Ages 45–85 · No Health Questions · All 50 States

Guaranteed Acceptance. No Health Questions. No Games About The Fine Print.

Guaranteed issue life insurance accepts you because of your age, not your health. The trade-off is a graded death benefit for the first two or three years — and we put that on every page instead of hiding it. $2,000 to $25,000 of whole life coverage, premiums that never rise, from the carriers we represent.

Do I Qualify?What Is The Graded Benefit?

Licensed agents · No obligation · Carriers pay us, you pay nothing extra

How Old Are You?
Where Do You Live?
How Much Coverage?
Pick your age, state and amount to see which carriers in our table can accept you.

Eligibility rules from carrier-published materials (Oct 2026); the carrier's own application controls. Photo and tool are illustrative.

Mutual of Omaha · ages 45–85 · $2,000–$25,000 · 2-year graded  •  Fidelity Life RAPIDecision · 50–85 · to $25,000 · 3-year graded  •  Gerber Life · 50–80 · $5,000–$25,000 · 2-year graded  •  Corebridge Direct · 50–80 · $5,000–$25,000 · 2-year graded  •  Great Western · 40–80 · $1,000–$40,000 · 2-year graded  •  Mutual of Omaha · ages 45–85 · $2,000–$25,000 · 2-year graded  •  Fidelity Life RAPIDecision · 50–85 · to $25,000 · 3-year graded  •  Gerber Life · 50–80 · $5,000–$25,000 · 2-year graded  •  Corebridge Direct · 50–80 · $5,000–$25,000 · 2-year graded  •  Great Western · 40–80 · $1,000–$40,000 · 2-year graded  • 

A 30-second explainer with music. Illustrative stock photography; no real customers or staff.

The One Thing To Understand

The Graded Death Benefit, In One Picture

Every guaranteed issue policy delays the full payout for natural causes. Here is the typical two-year version — Fidelity Life uses three years, Americo steps up over three.

"Premiums back + interest" means 110% of premiums paid at Mutual of Omaha and Great Western, premiums + 10% at Gerber, 110–120% at Corebridge. Sources: Mutual of Omaha, Gerber Life, Corebridge Direct, Fidelity Life.

Read The Full Explanation

Who It Is For

If Health Has Closed Other Doors, This One Stays Open

Cancer in treatment, heart failure, COPD on oxygen, dialysis, dementia, a recent stroke — the conditions that get a normal application declined do not matter here, because nobody asks. If you can answer a few health questions and your conditions are controlled, a simplified-issue final expense policy is usually cheaper and pays in full from day one. We check that first.

  • Acceptance by age: inside the carrier's band (45–85 at Mutual of Omaha; 50–85 at Fidelity Life and Colonial Penn; 50–80 at Gerber and Corebridge) you cannot be turned down for health.
  • Level premium: the price is locked for life.
  • Whole life: it never expires as long as premiums are paid, and it builds a small cash value.
  • Beneficiary's money: the death benefit is generally income-tax-free (IRC §101(a)).
Run The Full Eligibility Check
Couple in their seventies reviewing guaranteed issue life insurance options on a tablet
Illustrative photo.
What It Costs

Published Carrier Rates For $10,000 Of Coverage

We print carrier-published numbers, not invented "from $X" teasers. Monthly premium, $10,000 guaranteed whole life, by age and sex.

Monthly Premium By Age

AgeMutual of Omaha · MMutual of Omaha · FGerber Life · MGerber Life · F
50$40.20$30.40$44.09$34.47
60$56.90$42.70$63.89$51.06
70$86.70$63.90$99.18$75.53
80$157.10$126.90$247.32$176.37

Sources: Mutual of Omaha rate chart (CA) and Gerber Life consumer brochure (bank-draft rates). Your state's chart may differ; carriers confirm the rate on application.

The Age Curve, Mutual Of Omaha Men Vs Women

Same $10,000 policy. Price nearly triples between 60 and 80. Buying at 62 instead of 72 locks a lower premium for life.

Get My Exact Rate

Rate Finder — $10,000 Guaranteed Issue

Tap your age and sex — published $10,000 monthly rates at two carriers. Not a quote: your state's chart and your exact age set the final premium.

Pick an age and sex.

Mutual of Omaha California rate chart; Gerber Life consumer brochure (bank-draft rates). Ages between the chart rows are priced by the carrier.

Who Answers

Licensed Agents. Your Request Is Not Sold.

Requests on this site go to the licensed agents of our operating agency — not to a list of strangers. Ambient video is an illustrative render.

How This Site Works
Compared Honestly

Guaranteed Issue Vs Simplified Issue Vs Term

Guaranteed Issue

No health questions · ages 45–85 · $2,000–$25,000 · graded 2–3 years · highest price per $1,000 · for people who cannot qualify otherwise.

Apply online, no health questionsFidelity Life RAPIDecision · 50–85 · to $25,000 · 3-year graded benefit.

Simplified Issue Final Expense

A few health questions · no exam · $5,000–$50,000 · full benefit day one if approved · lower price per $1,000. NerdWallet's 2026 example: a 60-year-old woman, $20,000 — $744/yr simplified vs $1,008/yr guaranteed issue.

Try the cheaper door firstA few health questions, full benefit from day one if approved.

Term Life

Health underwriting · ages 18–75 · $100,000+ · ends after the term · lowest price per $1,000 for healthy applicants. See termquotes.life.

Annual premium, $20,000 of coverage, 60-year-old woman. Source: NerdWallet, Sept 2026.

Full Comparison →

Download

The Guaranteed Issue Carrier Comparison Sheet

Eight carriers' published rules on one page, the graded benefit in three lines, carrier rate charts for $10,000, and the ten questions to ask before you sign.

  • Ages, amounts, graded periods and accidental-death rules side by side
  • Updated October 2026
  • Opens instantly after you submit

We email nothing you did not ask for. The PDF opens right after you submit.

Three Ways In

Choose How You Want To Do This

Talk To A Licensed Agent

Ten minutes. We check whether you can get a policy with full benefits from day one before we sell you a graded one. Business hours, Eastern time.

Call 561-339-0727

Request Options In 60 Seconds

Age, state, amount, one health question. A licensed agent texts or emails your options — guaranteed issue and anything better you qualify for.

Check My Options

Apply On My Own

Open our carrier tool, answer a few screens, get a decision online. Guaranteed issue has no health questions; the graded benefit is shown before you sign.

You will leave this site for a carrier tool. Rates shown there are estimates until the carrier confirms. Agent of record: Phamella Bauer (NPN 22053821), NovaVida Group.

Guaranteed Issue Whole Life · Fidelity Life (InstaBrain)Ages 50–85 · up to $25,000 · no health questions · three-year graded death benefit (full benefit for accidental death) · not available in NY or WY
Apply — Guaranteed Issue
Final Expense Whole Life · Fidelity Life (InstaBrain)A few health questions · full benefit from day one if approved · usually less per $1,000 than guaranteed issue — try this first if your health is managed
Apply — Final Expense
Accidental Death Benefit · Fidelity Life (InstaBrain)Pays only for accidental death · no health questions · larger amounts for a small premium · not a substitute for life insurance
Apply — Accidental Death

Mutual of Omaha, Gerber Life, Corebridge and the other carriers in our table are quoted by an agent — call 561-339-0727.

Guaranteed issue carriers available through our brokerage

Carrier names and logos identify the companies whose products are available to quote through our brokerage relationships; they do not imply endorsement of this site by any carrier. Colonial Penn and Great Western appear in our tables for comparison. Availability varies by state.

Straight Answers

Questions People Ask Their AI About Guaranteed Issue

What is guaranteed issue life insurance?

A permanent (whole life) policy with no health questions and no medical exam: acceptance is guaranteed inside the carrier's age band — commonly 45–85 or 50–80 — for amounts usually between $2,000 and $25,000. The trade-off is a graded death benefit for the first two or three years.

What's the catch with guaranteed acceptance?

The graded period. If you die of natural causes in the first two years (three at Fidelity Life), your beneficiary receives your premiums back plus interest — 10% at Gerber, 110% of premiums at Mutual of Omaha and Great Western, 110–120% at Corebridge — not the face amount. Accidental death pays the full amount from day one at the carriers above that publish their rule.

Can I be turned down?

Not for your health. You can be outside the age band, outside the states where a carrier sells (Gerber is not in Montana; Corebridge not in New York or Maine; Fidelity Life not in New York or Wyoming), or above a carrier's cap on total guaranteed-issue coverage ($25,000 at Mutual of Omaha, Gerber and Corebridge).

How much does guaranteed issue life insurance cost?

Published carrier charts for $10,000 of coverage: Mutual of Omaha, a 60-year-old man $56.90 a month, a woman $42.70 (California chart); Gerber Life at 60, $63.89 for a man and $51.06 for a woman (with bank-draft discount). Corebridge says rates start at $22 a month for a 50-year-old woman and $32 for a man for $5,000.

Is guaranteed issue worth it?

Yes if age or health rules out a policy with health questions. If you can answer a few questions and your conditions are managed, simplified-issue final expense usually costs less and pays the full benefit from day one — NerdWallet's 2026 example for a 60-year-old woman buying $20,000: $1,008 a year guaranteed issue versus $744 simplified issue.

Guaranteed issue vs simplified issue — what is the difference?

Simplified issue asks a short set of health questions, no exam, and prices you on the answers. Guaranteed issue asks nothing and prices for the unknown. People who qualify for simplified issue get more coverage for less money.

All 15 Questions →

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Check My Options

A licensed agent checks guaranteed issue and anything better you qualify for, then texts or emails your options. No obligation.

We never ask for your Social Security number, bank details or medical records on this form.

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