Are you shopping for an affordable permanent life Insurance policy with no health questions asked?

If you are between the ages of 45 and 85, a guaranteed acceptance whole life insurance policy may be your best option.

Our agency represents more than 50 life insurance providers and we believe that Mutual of Omaha offers the best Guaranteed issue policy in the industry. Continue reading to learn more about Guaranteed Acceptance whole life insurance and Mutual of Omaha.

Quick Article Guide:

1. What is Guaranteed Acceptance Whole Life Insurance?
2. What Sets Mutual of Omaha Apart from other Providers?
3. Sample Guaranteed Issue Whole Life Insurance Rates
4. Applying for Guaranteed Acceptance Life Insurance

What is Guaranteed Issue Whole Life Insurance?

Guaranteed issue or guaranteed acceptance whole life insurance is permanent life insurance available to anyone over the age of 45, regardless of their health. No medical questions or physical exams are required for approval, and your rates are guaranteed not to increase as you get older.

These policies can help with burial costs, final expenses, and unforeseen medical bills that are left behind; preventing your loved one’s from footing the bill. While guaranteed acceptance whole life insurance is available to almost anyone there is trade-off.

To stay in business, the insurers must limit your coverage during the first two years. If you pass away from a health-related issue during this time, your beneficiary will receive a refund of your premiums plus interest. After two years, they’ll receive your policy’s full death benefit when you pass away.

A life insurance policy with immediate full-coverage requires underwriting to assess and applicant’s health and overall risk. Most whole life insurance providers will electronically review your M.I.B. records, attending physician’s statements, and prescription history, preventing someone with serious health issues from getting approved.

There are dozens of companies that offer life insurance with no questions asked, but we believe Mutual of Omaha offers the best product in the industry. We’ve outlined some of the features and benefits that are unique to their guaranteed acceptance whole life insurance policies in the next section.

What Sets Mutual of Omaha Apart from their Competition?

Mutual of Omaha offers the best guaranteed acceptance whole life insurance policy in the industry. The company is has been in business for more than 100 years, and are rated A+ “Superior” by AM Best for their financial stability. Most importantly, they have never failed to pay a valid claim.

ComDex also has ranked the Mutual of Omaha company at 93 out of 100, placing them in the top 93% of all life insurance providers operating in the United States. In addition to their solid track record and financial strength, Mutual of Omaha offers competitive pricing and outstanding customer service.

In many situations, we’ve found their policies to be as much as 15 or 20% less than their competitors.  Here’s a few additional benefits that set Mutual of Omaha’s policy apart from other insurance providers:

• If the insured passes away during the two-year waiting period, the beneficiary will receive a refund of all premiums plus 20% interest (10% is the industry standard).

• Double Identity rider on car accidents. (If the insured dies in a car accident, their beneficiary will receive double the policy’s face amount)

• The policy builds a cash value overtime, and if you decide to surrender your policy future, this money can be accessed while you are still alive.

• Coverage is available to anyone between the ages of 45 and 85. (In New York State, ages 50 to 75) Most whole life insurers stop offering insurance after the age of 80.

*Please note: This policy is only available through select agencies and provides unique benefits and feature that other Mutual of Omaha policies might not offer.

To learn more about Mutual of Omaha’s policies, or to obtain an instant online quote, please enter your information in the form below. You can also call us toll-free at 855-247-9555 to speak with a licensed agent who can answer any questions you have.

How Much Does Guaranteed Acceptance Whole Life Insurance Cost?

In the following tables we’ve provided some sample monthly rates by age and gender for a guaranteed issue whole life insurance policy from Mutual of Omaha. There are no medical exams or health questions required for an approval, and acceptance is guaranteed.

Guaranteed Acceptance Whole Life Insurance Rates for a Female

*Displayed monthly rates are accurate as of 10/03/2019.

Guaranteed Acceptance Whole Life Insurance Rates for a Male

*Displayed monthly rates are accurate as of 10/03/2019.

To obtain an accurate quote based on your age and gender, give us a call at 855-247-9555, or enter your information in our form below. In less than a minute you’ll be able to compare life insurance quotes from the Mutual of Omaha company and dozens of other providers.

How Do I Apply for Guaranteed Acceptance Life Insurance from Mutual of Omaha?

Applying for guaranteed acceptance whole life insurance is simple and only takes a few minutes. There are no health questions or medical exams needed for an approval, so the only information you’ll need to provide is your contact information, beneficiary details, and preferred payment method.

Mutual of Omaha does not accept money orders, but they will accept most forms of electronic payment including major credit cards or an EFT from a checking or savings account. Their policies are usually approved and issued in as little as 24 to 48 hours.

Get started today using our form below, or you reach toll-free at 855-247-9555, and one of our agents can answer all your questions and walk you through your application. We’ve helped more than 80,000 families with their life insurance needs and we can help you too!