Coverage options starting at $9.95 a month!

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

State

We believe in making insurance simple

Guaranteed Acceptance
Life Insurance

We offer Guaranteed acceptance whole life insurance for those ages 50-85 (in most states) with options starting at $9.95 a month—ease the burden of final expenses and get back to living life on your terms.

Colonial Penn’s^® popular guaranteed acceptance whole life insurance coverage rates are offered in units. A unit of coverage corresponds to the life insurance benefit amount that an individual can purchase. Coverage amounts are based on age, gender (in Montana, age only) and state of residence. The price per unit is a fixed amount. Multiple units can be purchased to help build a larger death benefit.

Product Terms

Explore the benefits

No medical exam and no health questions required

Locked-in premium rate that won’t increase

Budget confidently with flexible payment options

Coverage can't be cancelled
(As long as you pay your premiums)

Learn about guaranteed acceptance coverage

Download Your Free Beneficiary Planner Today!

Ensure your loved ones have easy access to all of your important information by downloading this free beneficiary planner.

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Choose Colonial Penn^®

Since 1957, Colonial Penn has specialized in making life insurance simple and accessible by offering it directly to consumers at affordable prices.

Learn more about us

A

Rated A (Excellent) by AM Best, the global rating agency for the insurance industry, indicating an excellent ability to meet ongoing insurance obligations.

$3.6B

Colonial Penn Life Insurance company has over $3.6 billion of life insurance in force¹.

810K

Colonial Penn currently has over 810,000 life insurance policies in force² helping to provide peace of mind to so many Americans.