Your acceptance, guaranteed.

Guaranteed acceptance life insurance without medical exams, health questions, or rate increases.

Guaranteed Acceptance Life Insurance

Ease the burden of final expenses with this popular plan featuring permanent coverage that can last your lifetime. You can’t be turned down due to your health, and, once insured, your rate will never go up!

AT A GLANCE

(Ages 50-85 in most states)

With Guaranteed Acceptance, you don’t need to be in perfect health to get coverage. This is permanent, whole life insurance with no health questions asked and no physicals required.

MORE DETAILS

Age & State Availability

Ages 50-85 in most states

Medical Exam Requirements

You cannot be turned down because of your health. We can guarantee acceptance because of a two-year limited benefit period. This is permanent, whole life insurance with no health questions asked and no physical to take.

Length of Coverage

Lifetime

Maximum Life Insurance Benefit

Varies

Cash Value

Begins to build cash value after the first year of coverage which you can borrow against at a guaranteed rate.

Premium Rates

Your premium is locked in when coverage takes effect. Your rate will not change for the life of the policy.

Flexible Payment Options

Enjoy the flexibility to pay premiums monthly, quarterly, semi-annually, or annually.

Added protection for your family

Coverage that benefits your loved ones

Apply quickly and easily online.

Finish the process in a few simple steps.

30 Day Try-It-On Period

Cancel Your Plan for a Full Refund

Features of this Coverage

No Medical Exams

You cannot be turned down because of your health. We can guarantee acceptance because of a two-year limited benefit period. This is permanent, whole life insurance with no health questions asked and no physical to take.

Locked-in Premium & Benefit Amount

Once insured, your premium gets locked in and is guaranteed to never increase for as long as your coverage lasts. Your benefit won’t decrease simply because you grow older and is based on your gender and age (in Montana, age only) when your coverage takes effect.

Flexible Payment Options

Enjoy the flexibility to pay premiums monthly, quarterly, semi-annually, or annually.

Coverage Can't Be Cancelled

Final medical and hospital bills. Funeral and burial costs. Unpaid credit cards. Home or car loans. Colonial Penn’s Guaranteed Acceptance Life Insurance offers you easy and affordable coverage. With sufficient life insurance in place, you can rest easy knowing that your final expenses won’t add to your family’s grief. As long as you pay your premiums, your coverage cannot be cancelled.

Frequently Asked Questions

A unit of coverage corresponds to the life insurance benefit amount you can purchase. It depends on age, gender, and state. Please get a quote to see benefit amounts and premiums available to you for up to 8 units of coverage.
You don't have to answer any questions about your health or take a physical exam. Your acceptance is guaranteed!
Acceptance can be guaranteed because of a limited benefit period for death during the first two years.
Once you lock in your premium rate for the benefit amount you want, it will stay the same as long as you keep your insurance.
No. After your coverage begins, your benefit will not decrease as you grow older or if your health changes.
Absolutely not. Your coverage can stay in force as long as you pay your premiums when due.
Yes. This plan will pay benefits directly to your beneficiary in addition to any other insurance you might have.
Yes. Save a full month’s premium by paying annually. You get 12 months’ protection for the cost of 11. These savings can add up year after year.
Count on a 30-Day Money Back Guarantee for peace of mind. If you decide this coverage isn't for you, just return your insurance documents within 30 days after receiving them for a complete refund, no questions asked.
We’ve built our reputation on satisfied customers. When you receive your insurance documents, you’ll also receive a customer service guide with a toll-free service hotline. This special toll-free number will put you directly in touch with a top-notch service team. Your guide will also include information on how to change your payment plan, change a beneficiary, or file a claim.
Your benefit is based on your age when coverage takes effect. The younger you are when your coverage starts, the higher your benefit will be for life.
If your coverage is in force and has a cash value, you may obtain a loan on it. The interest rate is 8% compounded annually. Any loan amount and interest that has not been repaid at the time of death is deducted from the death benefit. Please refer to your policy/certificate for more information or call our toll-free service number.
Customers can register at MyColonialPenn.com and see their coverage, premium, cash value, and loan information. Premiums can be paid online, and you can email us anytime with questions about your policy.

Colonial penn Experience

Personal Protection For Our Customers

Offering peace of mind for over 60 years

Try It On Period, 30 Days of Getting to Know Us

Lets you change or cancel your plan for a full refund if it doesn't feel quite right.

Need more help?
We make it easy to compare plans so you can find the best fit for you.
Or give us a call and we'll help walk you through it!
1-877-877-8052