Ease the burden of your final expenses for your family.

You can't be turned down because of health

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Guaranteed Acceptance Whole Life Insurance from Colonial Penn®

Guaranteed acceptance whole life insurance is a popular permanent plan that provides lifelong coverage. 

    Your acceptance is guaranteed so you don’t need to be in perfect health to get this plan. This is permanent, whole life coverage with no health questions asked and no required physicals regardless of pre-existing health conditions.

  • You can't be turned down because of your health. We can guarantee your acceptance because of a two-year limited benefit period. 

  • Once insured, your rate will never go up. We guarantee that your rate will stay the same for life. 

Why choose this guaranteed acceptance whole life plan?

You may be worried that you won’t be able to purchase life insurance because of your health issues. We understand those concerns which is an important reason why we offer guaranteed acceptance life. We can guarantee acceptance because of a two-year limited benefit period. Unlike most life insurance policies, there are no health questions and no medical exam when applying, which means you cannot be turned down because of your health. This will leave your loved ones with funds that can be used to help pay for things like funeral and burial expenses or other final expenses. Our guaranteed acceptance whole life also builds cash value over time and coverage lasts as long as you continue to pay the premiums giving you peace of mind.

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Common myths about life insurance

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    Myth: I can't get life insurance because I'm too sick or have a medical condition.

    FACT: Even if you have a chronic medical condition or aren’t in great health you can still be insured. You can’t be turned down because of your health and you will never have to answer any health questions or have a physical or health exam.

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    Myth: I don't have a spouse or children, so I don't need life insurance.

    FACT: Even if you don’t have a spouse or children, you likely will have final expenses that may need to be handled. Beneficiaries don’t have to be family members. You control and choose who your beneficiaries are.

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    Myth: My family can probably handle my funeral expenses.

    FACT: That may be true, but at what cost to them? According to the National Funeral Directors Association (NFDA), in 2021 the national median cost of a simple funeral with viewing and burial was $7,848. Most cemeteries require a vault and that bumps the median cost to $9,420. Neither of these amounts include a monument, headstone, marker, flowers or obituary.1 Life insurance can help pay for these expenses.

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    Myth: Once my children are adults, I don’t need life insurance.

    FACT: Having life insurance later in life helps in many ways, from easing the burden of funeral costs to paying off your final medical bills or other debt or simply giving your children funds that they can use to help support their own families.

FAQs about our guaranteed acceptance life insurance

Do I have to answer any medical questions?

You don't have to answer any questions about your health or take a physical exam. Your acceptance is guaranteed!

No. Your coverage can never be cancelled as long as you pay your premiums.  Plus, once insured, your rate can never increase.

Yes. You must be age 50–85 in most states to get this coverage.  Ages vary in some states. Because 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.

No. After your coverage begins, your benefit will not decrease as you grow older or if your health changes.

Absolutely not. This is lifetime coverage that can stay in force as long as you pay your premiums when due.

No. Once you’re insured, you will never have a rate increase for any reason.

Yes. Save a full month’s premium by paying annually. You get 12 months of protection for the cost of 11. These savings can add up year after year.

Yes. After the first year of coverage, it begins to build cash value.

Yes. 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.

Yes. There is a limited benefit period of two years before the full benefit takes effect.

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. Call 1-800-523-9100 and we’ll help you with it. 

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