Guranteed Acceptance - ColonialPenn
Your acceptance, guaranteed.
Guaranteed acceptance life insurance without medical exams, health questions, or rate increases.
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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.