Guaranteed Acceptance Insurance - No Health Questions

Guaranteed whole life insurance offers guaranteed approval, no health questions, but at a higher cost.
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Guaranteed Issue Whole Life Insurance

Written by Brian Greenberg
CEO / Founder & Licensed Insurance Agent

Last updated: May 12th, 2023

Reviewed by Lisa A Koosis
Medical Claims Specialist

Best Guaranteed Acceptance Life Insurance Companies

CompanyRecommendationStarRatingQuote
Gerber Life

Recommended
Easiest application.
No agent is needed.
Apply online.
Modified death benefit.

★★★★★
Gerber Life Review
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Mutual of OmahaRecommended
Best-priced policy.
Apply with an agent.
Modified death benefit.
★★★★★
Mutual of Omaha Life Review
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Corebridge Financial

Well-priced policy.
Reputable company.
Apply with an agent.
Modified death benefit.

★★★★★
Corebridge Financial Review
Go
TruStage

Simple online application.
No agent is needed.
Graded waiting period.

★★★☆☆
TruStage Review
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Great Western Insurance Company

Coverage up to 40k.
Ages 45 - 80 years old.
Apply with an agent.
Modified death benefit.

★★★★☆
Great Western Life Review
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Colonial Penn Life InsuranceCoverage up to 15k.
Ages 50 - 85 years old.
Apply online or with an agent.
Modified death benefit.
★★☆☆☆
Colonial Penn Life Review
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AARP Life Insurance From New York LifeCoverage up to 25k.
Ages 50 - 80 years old.
Apply with an agent.
Modified death benefit.
★★★☆☆
AARP Life Review
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Globe LifeCoverage up to 25k.
Ages 45 - 85 years old.
Apply online or with an agent.
Modified death benefit.
★★★★★
AAA Life Review
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What Is Guaranteed Acceptance Life Insurance?

When considering life insurance, guaranteed issue policies offer the convenience of no health underwriting and streamlined application processes. However, these policies present a higher level of risk for insurers, leading to increased premiums compared to traditional life insurance products.

In contrast to underwritten policies, where applicants must disclose medical histories and undergo medical exams, guaranteed issue policies provide coverage without requiring health information. Insurers accept the greater risk of insuring unknown health conditions, which increases the cost.

FeaturesDescription
ApprovalGuaranteed approval regardless of health condition, age or gender.
No medical examNo medical exams or health questionnaires are required.
CostPremiums are generally higher compared to traditionally underwritten policies due to higher risk.
Death benefitA guaranteed death benefit is provided to beneficiaries after the policyholder’s death.
Cash valueA cash value component is included that grows tax-deferred over time.
Coverage limitsDeath benefits from $2,500 – $25,000.
Waiting periodMost policies have a waiting period before the death benefit can be paid out, usually two years.

What Is the Waiting Period for No Health Questions Whole Life?

Guaranteed issue whole life insurance policies have a waiting period because they are designed to offer coverage without requiring medical underwriting. The waiting period is a way for insurance companies to mitigate the risk of insuring individuals with pre-existing health conditions or high mortality risk. The waiting period allows the policy to become effective without incurring an immediate payout of the full coverage amount. Depending on the policy, this life insurance waiting period is typically two to three years.

Guaranteed issue whole life insurance policies do pay out for accidental death during the waiting period.

What Is a Modified Benefit Period?

A modified benefit period is a duration of time during which the life insurance policy doesn’t pay the full coverage amount. If the insured were to pass during this time, the beneficiary would receive all paid premiums plus interest (typically 10%).

What Is a Graded Benefit Period?

Under a graded whole life insurance policy, beneficiaries may receive 30% of the death benefit if the policyholder passes away during the first year of the waiting period and 70% if the policyholder passes away during the second year. Once the two-year waiting period ends, the beneficiaries will receive the full death benefit amount.

How Guaranteed Life Insurance With No Health Questions Works

As the name suggests, a guaranteed issue life insurance policy provides life insurance coverage, regardless of your health or financial history. This policy may also be called a guaranteed acceptance whole life insurance policy. This type of life insurance is generally available to individuals between the ages of 50 and 85, though some companies may provide coverage for people as young as 45 while others won’t approve coverage for someone older than 80.

Guaranteed issue whole life insurance doesn’t qualify you based on your health. The price for a 50-year-old in supreme health is the same as for a 50-year-old with a long history of health conditions. Consequently, if you’re in good health, you could save a lot of money going with a traditional final expense life insurance policy instead.

Pros and Cons of Guaranteed Whole Life Insurance

No life insurance type is perfect for everyone. Here are some of the pros and cons of guaranteed issue life insurance:

Pros of Guaranteed Issue

  • You can leave a decent amount of money to your loved ones, even if your health or financial history isn’t stellar.
  • There are no medical examinations or health questions to answer.
  • Depending on the insurance company, a guaranteed issue policy can be approved as soon as the same day, though there may be a waiting period before coverage starts.

Cons of Guaranteed Issue

  • Guaranteed issue life insurance is expensive compared to some other options.
  • Some guaranteed acceptance policies have a graded death benefit period. This means that if you pass during this time, your beneficiary won’t receive the full coverage amount of the policy.
  • You can’t buy as much coverage as with other life insurance options. For example, the typical maximum coverage for a guaranteed issue plan is $25,000, with some exceptions going up to $50,000.
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How Much Does Guaranteed Life Insurance Cost?

A guaranteed issue life insurance policy is more expensive than other products. This is primarily because there are no medical exams or health questions involved. As a result, it’s most popular for individuals with less than-average health.

The sample rates for guaranteed acceptance life insurance for men:

How much does guaranteed life insurance cost?

AgeCoveragePrice
45$15,000$41.35 monthly
50$15,000$45.10 monthly
55$15,000$55.75 monthly
60$15,000$63.55 monthly
65$15,000$74.50 monthly
70$15,000$95.35 monthly
75$15,000$132.25 monthly
80$15,000$189.85 monthly

Who is Guaranteed Acceptance Life Insurance For?

Guaranteed acceptance life insurance plans are more expensive than other alternatives. Therefore, it’s most common for seniors or people who are considered high-risk.

When Are You Considered High-Risk?

The most common reason to be considered high-risk is primarily because of health or health history. If you’re diagnosed with a serious health condition, such as some types of cancer, you’ll be considered high-risk for many years to come. Other reasons to be flagged as high-risk are dangerous professions or hobbies. Skydiving or deep-sea diving are just two examples.

If you’re a high-risk individual, a guaranteed issue policy can be a good option. However, most guaranteed acceptance products do have a graded benefit duration of 2 years. For that reason, your beneficiaries won’t receive your full coverage amount during this period. Instead, they’ll receive your paid premiums, plus a certain amount of interest. A guaranteed issue policy can provide up to $40,000 of coverage (and sometimes more). This is enough to pay off debt, pay for funeral costs, or leave a small inheritance.

What Are Alternatives to Guaranteed Issue Life Insurance?

The best alternatives to guaranteed issue life insurance are term life insurance, traditional final expense life insurance, and accidental death insurance. The alternative that’s best for you depends on your age and your health.

Term Life Insurance – Average or Better Health, Age 55 or Younger

  • Level term life insurance is a common choice for those aged 55 or younger. Those in excellent to average health can get the same coverage as with a guaranteed acceptance policy, but at lower rates.
  • Depending on the term policy and coverage amount applied, there will be a medical examination. For policies under $1 million, you may have the option of a no medical exam life insurance plan.

Final Expense – Average Health, Age 55 or Older

Final expense is the a common life insurance option for healthy seniors. It’s a whole life insurance policy. As long as you make the premium payment, you’ll stay insured.

  • Final expense insurance offers a higher coverage amount than guaranteed issue policies, up to $100,000. However, this is rare. More often, companies offer up to $35,000.
  • No medical examination is involved. However, insurance providers will ask you some health questions and check your public records to qualify you.

Accidental Death – High-Risk Individuals, any Age

  • Accidental death life insurance is very affordable. Additionally, it’s available to anyone, regardless of their health or financial history.
  • However, an accidental death policy only pays your beneficiaries if the cause of death is due to an accident. Accidents are the most common cause of death only for individuals age 44 or younger, according to CDC data from 1981 to 2020.

Group Life Insurance – High-Risk Individuals at any Age

  • Group life insurance is most commonly offered to employees by employers. Group insurance is also offered by trade groups, organizations, and associations.
  • Small life insurance coverage amounts are offered as a free benefit or at a low cost to a group’s members. Very few health questions are asked.
  • Groups are able to offer guaranteed issue term life insurance, whole life, and universal life insurance plans to their members. The coverage types available depend on the insurance company underwriting the policies.
  • The group coverage is owned by the group, which is the master policyholder, and members receive certificates of participation. Coverage may decrease or end if the organization drops the coverage.

Frequently Asked Questions:

What is guaranteed acceptance life?

Guaranteed acceptance life insurance is a type of life insurance policy that guarantees coverage for applicants regardless of their health status or medical history. This means that anyone who applies for this policy will be approved for coverage, without having to answer health questions or undergo a medical examination.

Guaranteed life insurance is typically designed for individuals who have pre-existing medical conditions or are of advanced age, making it difficult for them to obtain traditional life insurance policies.

What is the difference between guaranteed issue and guaranteed acceptance?

Guaranteed issue and guaranteed acceptance are terms that are often used interchangeably in the context of life insurance policies. Both refer to a type of life insurance policy that guarantees coverage for applicants regardless of their health status or medical history.

What is the Difference Between Guaranteed Life Insurance and Whole Life Insurance?

In many cases, whole life insurance only requires you to pay premiums for a designated period of time, though other payment plan options may be considered. After you’ve paid for the policy, you have lifetime coverage. Your beneficiaries will receive death benefits when you pass away. Whole life policies also have a cash value, and they may pay dividends.

Guaranteed issue life insurance requires you to keep paying premiums, which stay the same. You have coverage as long as you pay the premiums. In some cases, a cash value policy may be an option, though not all guaranteed issue life insurance policies earn cash value.

What age can you get guaranteed acceptance life insurance?

Guaranteed acceptance life insurance is generally available to individuals within a specific age range, with the minimum age for guaranteed acceptance whole life insurance typically starting at age 45. The maximum age for eligibility can vary between providers, but it is often set between ages 80 and 85.

What is the major problem with guaranteed issue?

The major problem with guaranteed life insurance is the two to three-year waiting period, also known as a modified or graded benefit period. During this time, if the policyholder passes away due to natural causes, beneficiaries will only receive the paid-in premiums plus a small percentage, typically around 10%, rather than the full death benefit. This waiting period is a drawback for those seeking immediate full coverage for their loved ones.

How Do I Get Guaranteed Life Insurance?

We make shopping for life insurance as simple as possible. You can shop online, or we can assist you in finding the best policy from the best company, based on your situation.

Compare rates online

  • Fill out our quote form to compare rates online from the best providers in less than 30 seconds.
  • Select the policy you like, and submit an application.

Speak to a licensed agent

  • Do you prefer to make financial decisions by speaking to a professional? Call us at 1-866-816-2100 to speak to a friendly licensed life insurance agent.
  • We’re able to answer any questions you may have and recommend the best insurance company based on your situation.

Guaranteed Issue Life Insurance Reviews

4.8 /5
Based on 85 reviews

Excellent
89%
Great
6%
Average
5%
Poor
0%
Bad
0%
Jan 21,2023
Porfiria Martinez Verified
Stockton,CA
So far I'm still waiting for the application to be approved, I would not be able to rate the service yet. So far everything has been smooth.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Guaranteed Acceptance Life Insurance

Jun 07,2021
Wiley Barber Verified
Tifton,GA
Great job. Great information.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Whole Life Life Insurance

Apr 30,2021
Mary Sherlock Verified
North Augusta,SC
Great everything was explained and the service was great
Company:
Gerber Life
Product:
Guaranteed Life
Policy length:
Guaranteed Acceptance Life Insurance

Apr 29,2021
Beatrice Patterson Verified
,WI
Taylor is amazing! He made me feel really appreciated and was so helpful in finding me the right policy. Way to go.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Whole Life Life Insurance

Apr 15,2021
Nadia Rutledge Verified
Shreveport,LA
It was easier than I thought! In one phone call I was covered. My family and I are now stress free, all thanks to my Agent, Jennifer Plisch!
Company:
Great Western Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Acceptance Life Insurance

Dec 15,2020
Angela Williams Verified
,NY
Nikki was very helpful and explained the entire process. She made the experience of shopping for insurance manageable and not pressured or stressful
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Guaranteed Acceptance Life Insurance

Dec 14,2020
Camilla Senteneri Verified
Rio Grande,NJ
Aaron was absolutely wonderful to work with! He took the time to answer all my questions and made the process so smooth. I am very happy I took the time to answer the call from him! A definite asset to your company!
Company:
Mutual Of Omaha
Product:
GI - Max Pay Age 84
Policy length:
Accidental Life Insurance

Dec 02,2020
Debra Smartt Verified
Nashville,TN
Wonderful went splendid I loved everything ❤️❤️
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Oct 22,2020
David Gibbons Verified
Cranston,RI
Jen was phenomenal, the process of getting insured was easy and affordable. Outstanding customer service, very personable while still professional. 10/10 would recommend.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Guaranteed Acceptance Life Insurance

Sep 29,2020
Donna Watson Verified
,VA
Very pleased to deal with these people... no harassing, very polite and easy to speak with!
Company:
Fidelity Life Association
Product:
GI - Max Pay Age 84
Policy length:
Final Expense Whole Life

Sep 10,2020
Kathleen Long Verified
,TX
Danny was very knowledgeable and searched for the best policies that fit my situation and budget.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Whole Life Life Insurance

Sep 09,2020
Luisa Lashley Verified
,NY
Thank you Gerber for making the experience smooth and easy.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Whole Life Life Insurance

Sep 09,2020
Linda Ullman Verified
,GA
Seemed easy over the phone!
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Guaranteed Acceptance Life Insurance

Sep 08,2020
Donna Lathon Verified
Belton,MO
very easy didn't take too much time. Great experience
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Whole Life Life Insurance

Aug 18,2020
Teresa Strickland Verified
Jasper,GA
I had an excellent experience. Jennifer Plisch was very helpful and knowledgeable.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Guaranteed Acceptance Life Insurance

Aug 08,2020
Nadia Rutledge Verified
Shreveport,LA
It was easy and now I’m stress free because of it!
Company:
Great Western Life Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Acceptance Life Insurance

Jul 03,2020
Mary Stanley Verified
Jurupa Valley,CA
Very Polite, Efficient, Knowledgeable and very helpful Thank You. Mike Stanley
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Jun 26,2020
Bridget Riley Verified
North Augusta,SC
Very wonderful awesome agent
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Guaranteed Acceptance Life Insurance

May 09,2020
Billie Feuerbacher Verified
Creede,CO
This was a greatly appreciate efficient, simple process.
Company:
Great Western Life Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Acceptance Life Insurance

May 07,2020
Gretchen Phillips Verified
,TX
My experience was wonderful and very helpful agent.
Company:
Assurity Life Insurance Company
Product:
Guaranteed Assurance
Policy length:
Whole Life Life Insurance

May 02,2020
Tammy Newman Verified
Orlando,FL
I had a great positive vibe, all my questions were answered and the price is just right.
Company:
Great Western Life Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Acceptance Life Insurance

Apr 25,2020
Christie Huff Verified
Aurora,IL
Jen was great! The application was quick and simple to fill out. All my questions were answered and I feel confident with my decision.
Company:
Great Western Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Acceptance Life Insurance

Apr 09,2020
Manu Bhai Patel Verified
Texarkana,AR
Very good. Application process was very simple
Company:
AIG/Guaranteed Issue
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Feb 06,2020
Joseph Rodriguez Verified
Fullerton,CA
The overall experience was smooth and I will recommend friends or family to Aaron.
Company:
Fidelity Life Association Company
Product:
Accidental Death
Policy length:
Accidental Life Insurance

Jan 30,2020
Nancy Yow Verified
Davidson,NC
Cheryl made the process quick and easy, very professional!
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Whole Life Life Insurance

Nov 29,2019
Andrew Mezurecky Verified
Beaumont,California
very positive and useful
Company:
Gerber
Product:
Guaranteed Life
Policy length:
Guaranteed Acceptance Life Insurance

Nov 13,2019
Ying Lee Verified
Modesto,CA
AIG is a great life company.
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Oct 04,2019
Geraldine Brown Verified
,NY
It was and is an Awesome experience, Ms. Walker was very pleasant. I really appreciate the service that was provided, thank you.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Guaranteed Acceptance Life Insurance

Aug 26,2019
Janet James Verified
McKinney,TX
The application process was easy.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Whole Life Life Insurance

Aug 24,2019
Matrina Cowan Verified
Winston Salem,NC
It was really very easy to apply for insurance with your company.
Company:
Gerber Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Aug 20,2019
Joann Orr Verified
Hopatcong,NJ
Very pleased with true-blue
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:
Whole Life Life Insurance

Jul 10,2019
Fabiana Rodriguez-Irizarry Verified
Wimauma,FL
The process was very quick an easy. The agents at True Blue are great. They were very responsive and helped explain the options and process.
Company:
AIG/Guaranteed Issue
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Jul 08,2019
Sandy (Samuel) Bertrand (Jackson) Verified
Herndon,VA
Jennifer made the process smooth and helped with all my questions.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Guaranteed Acceptance Life Insurance

Jun 12,2019
Franklin Adams Verified
,NY
Awesome customer service.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Guaranteed Acceptance Life Insurance

Jun 08,2019
Charles McKee Verified
Mabank,TX
It all went pretty smoothly.
Company:
Gerber Life
Product:
Guaranteed Life
Policy length:
Age to 100

Jun 02,2019
Douglas Yoder Verified
Port Charlotte,FL
Was very please with the everything I love Gerber life insurance prices are very reasonable will always recommend them thank you
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life (ACH)
Policy length:
Guaranteed Acceptance Life Insurance

May 06,2019
Robert Finucci Verified
Rigby,ID
Great Service. Friendly and knowledgeable staff. Would definitely recommend them.
Company:
AIG/Guaranteed Issue
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Apr 25,2019
Raheem Williams Verified
Pompano Beach,FL
Seem less stress free and easy is what would describe my experience.
Company:
Great Western Life Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Acceptance Life Insurance

Apr 05,2019
Thomas Niedermayer Verified
Philadelphia,PA
Great Service
Company:
Great Western Life Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Acceptance Life Insurance

Mar 29,2019
Thomas Niedermayer Verified
Philadelphia,PA
Easy and Fast
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Mar 27,2019
Karen Hoff Verified
,TX
The process was quick and easy.
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Mar 13,2019
Jose Rivera Verified
Roswell,GA
Ken took his time to find the right life Insurance for me thank you you’re the best....
Company:
Great Western Life Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Acceptance Life Insurance

Feb 04,2019
Manita Ferdinand Verified
,NJ
Great experience . We obtain the policy quickly and received everything in the mail two weeks later
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Dec 30,2018
Josephine Azzopardi Verified
Naples,FL
perfect will use again five stars
Company:
AIG
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Issue Life Insurance

Dec 29,2018
Lawrence Thelen Verified
Haddam,CT
So far so good. Haven’t had to use it yet.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Whole Life Life Insurance

Dec 27,2018
Wanda (Tangela) Mcgee Verified
,OK
Fast application process.
Company:
Gerber
Product:
Guaranteed Life
Policy length:
Guaranteed Acceptance Life Insurance

Nov 26,2018
Jerry Carrillo Ortiz Verified
Santa Fe,NM
Easy and quick! Received confirmation via personalized note.
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:
Age to 100

Nov 07,2018
Ramona Dahl Verified
Georgetown,TX
Excellent product and service.
Company:
Columbian Mutual Life Insurance Company
Product:
Guaranteed Assurance
Policy length:
Guaranteed Acceptance Life Insurance

Nov 07,2018
Rodolfo Escubio Verified
San Francisco,CA
So far it’s been good. New customer here so we will see as it progresses but it’s been a good experience so far.
Company:
AIG/Guaranteed Issue
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Oct 13,2018
Joey Rothstein Verified
Glendale,AZ
Ken was great to work with! Super responsive quick with answering any and all questions. Highly recommend!!
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
30 years

Oct 12,2018
(Michael) Ludmila Minot Verified
Warren,OH
Fast and accurate. The quote was fair and the processing fast.
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Sep 09,2018
Ave Randall Verified
Windsor Mills,MD
I would recommend many people to true blue . Ms. Walker were very helpful and she stayed in communication with me and the process was very smooth
Company:
Columbian Life Insurance Company
Product:
Guaranteed Issue Whole Life
Policy length:
Guaranteed Acceptance Life Insurance

Aug 31,2018
Robert Miller jr Verified
Polo,MO
5 stars,just like above.not much to tell you.
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Whole Life Life Insurance

Aug 24,2018
Debra Fowler Verified
Dale City,VA
Very fast turnaround.
Company:
AIG/Guaranteed Issue
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Aug 20,2018
Kenneth Hunter Verified
Upper Marlboro,MD
Very quick and thorough response .
Company:
AIG/Guaranteed Issue
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Aug 17,2018
William Carroll Verified
Moriarty,NM
See note above about policy delivery time. Otherwise fine.
Company:
AIG/Guaranteed Issue
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Aug 08,2018
Rick Tyrell Verified
,AK
It was a simple and easy process. Stress free!!
Company:
Gerber Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Jul 28,2018
Lydia Cisneros Verified
Brownsville,TX
Amazing customer service and fast
Company:
AIG/Guaranteed Issue
Product:
GI - Max Pay Age 84
Policy length:
Age 121

Jul 16,2018
Troy Gaylor Verified
Fairfax,VA
We just began. No opinion as of yet.
Company:
Assurity Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Whole Life Life Insurance

Jun 22,2018
Sonia Chavarria Verified
,CA
Fast processing-simple questions and screening the application is faster than expexted
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

May 18,2018
Jimmy Wilson Verified
,OR
Great! Fast and easy process. Put my mind at ease.
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Age to 100

Apr 29,2018
Toni Maxwell Verified
,CA
Great help in time of need, awesome working with my agent. Couldn’t of been more happy with the service.
Company:
Gerber
Product:
Guaranteed Life
Policy length:
Guaranteed Acceptance Life Insurance

Apr 23,2018
Rebecca Brookins Verified
,PA
I’m glad Gerber had a package for my family. Thank you.
Company:
Gerber
Product:
Guaranteed Life
Policy length:
Guaranteed Acceptance Life Insurance

Mar 19,2018
Shannon & Liz Hyde Verified
,FL
Quick to respond with email.
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Mar 01,2018
Lisa Epifanio McGovern Verified
East Meadow,NY
Too early to tell. All seems fine.
Company:
Gerber Life
Product:
Guaranteed Life
Policy length:
Guaranteed Acceptance Life Insurance

Feb 27,2018
Gregory Carter Verified
El Paso,TX
its ok the customer service could be more helpful.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:
Age to 100

Nov 24,2017
Ralph Dupuy Verified
,TX
Service was great and expedient. thanks Jen with /tru blu
Company:
American General Life Insurance Company
Product:
GI - Max Pay Age 84
Policy length:

Nov 18,2017
Nicholas Brown Verified
Hopewell Junction,NY
The transaction was easy to execute.
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:
Guaranteed Acceptance Life Insurance

Nov 02,2017
Sheila Young Verified
Temple Hills,MD
So far so good. No complaints
Company:
AIG/Guaranteed Issue
Product:
GI - Max Pay Age 84
Policy length:

Oct 31,2017
Faith Simpson Verified
,AL
I'VE USED GERBER FOR MY OTHER POLICES AND ITS ALWAYS BEEN A GOOD EXPERIENCE.
Company:
Gerber Life
Product:
Guaranteed Life
Policy length:
Age to 100

Oct 11,2017
Frederick Taylor Verified
,CA
I'm very satisfied with the policy I received through Gerber Life Insurance.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life
Policy length:

Sep 20,2017
Pai Thao Verified
Menasha,WI
Excellent rates and coverage.
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:
Guaranteed Acceptance Life Insurance

Sep 14,2017
Dawn Sevigny Verified
Smyrna,TN
Awesome Service! Thanks Cheryl Schlenkert!!!
Company:
AIG/Guaranteed Issue
Product:
GI - Max Pay Age 84
Policy length:
Guaranteed Acceptance Life Insurance

Sep 14,2017
Dwight Funk Verified
,UT
Cheryl was a very effective and knowledge agent for Fidelity. You are fortunate to have her on your team. Alan
Company:
Fidelity Accidental Death Benefit
Product:
Accidental Death
Policy length:
Accidental Life Insurance

Aug 08,2017
Kerry N Zenich Verified
,OR
So far I have had excellent service! I had a recurrence of cancer and am currently undergoing treatment. I was looking to see if there was any insurance available for me. True Blue took my information and a Insurance Broker called and told me about Gerber (YES, Gerber's Guaranteed Life). I was able to get $25k life insurance. There are a few stipulations, and I have not seen the policy yet, but the service was excellent and I assume it will all go as stated! Thank you Jennifer Plisch, your assistance and compassion is greatly appreciated!!
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:

Jun 12,2017
Heather Moore Verified
,TN
Great customer service!
Company:
Gerber
Product:
Guaranteed Life
Policy length:
20 years

Jun 05,2017
Charles Rosenblum Verified
Jacksonville,FL
Very helpful- quick to respond and got the application submitted right away.
Company:
Gerber Life
Product:
Guaranteed Life (ACH)
Policy length:
Guaranteed Acceptance Life Insurance

Mar 30,2017
Gretchen Murray Verified
Sandy,UT
5 starts. So easy and you can still talk to a real person.
Company:
Kemper Life
Product:
Senior Solutions GI
Policy length:

Feb 23,2017
Justin Cardella Verified
SunValley,NV
Exactly what I needed at a great rate
Company:
Fidelity Accidental Death Benefit
Product:
Accidental Death
Policy length:

Feb 10,2017
S. Stephen Brunson Verified
Reston,VA
Awesome! I love it...
Company:
Fidelity Life Association Company
Product:
Accidental Death
Policy length:

Feb 01,2017
Cindy Jones Verified
Orange Park,FL
Well, I haven't filed a claim yet so I'm not sure. That being said, their paperwork was well understood and I'm glad they offered the unique product I needed at the correct time.
Company:
AIG/Guaranteed Issue
Product:
GI - Max Pay Age 84
Policy length:
Age to 100

Oct 13,2016
Emily Lee Verified
,NY
So glad to be a customer. Thanks so much!
Company:
Gerber
Product:
Guaranteed Life (ACH)
Policy length:
To Age 121 Level - Pay to 100

Aug 15,2016
Earnest Oblander Verified
,KY
I need to set up my preferred payment plan by writing a check each time it is due, and not set up to have it charged to a credit card. That is more of an expense with the interest charges added on to the cost of the policy.
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life (ACH)
Policy length:

Jul 21,2016
Yolanda Camarena Verified
,CA
In one word, excellent service!!
Company:
Gerber Life Insurance Company
Product:
Guaranteed Life (ACH)
Policy length:
Age to 100

Mar 31,2016
Lestine Bowen Verified
,VA
Reasonable pricing made this policy the best deal.
Company:
Gerber Life
Product:
Guaranteed Life
Policy length:
Age to 100

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