Can people over seventy-five years old get life Insurance with Guaranteed approval? Yes, in fact, several life insurers offer guaranteed issue life plans for seniors. Among the leading providers of guaranteed acceptance life insurance policies are United of Omaha, AIG, AAA, Colonial Penn and MetLife. Seniors age 45 to 85 may be able to get up to $25,000 of life insurance with guaranteed approval from United of Omaha, for example. However, if you need more coverage, you may be able to buy a policy from more than on life insurance company. There's no health exam required and no medical questions asked for guaranteed issue policies.