In fact, most companies will not accept a guaranteed issue applicant until age 50. The best choice for guaranteed acceptance insurance in your 40s is Great Western. Fidelity Life: Fidelity Life offers a permanent whole life insurance policy called Rapid Decision Guaranteed Issue. For those who are under age 40, you will need to wait for a guaranteed issue policy. At age 100 and after there are no … * The total amount of all American General Life Insurance Company Guaranteed Issue Whole Life Insurance policies on any person cannot exceed $25,000 in the aggregate. As the name implies, there are life insurance policies that are guaranteed … Life insurance is a crucial investment for anyone. Guaranteed acceptance life insurance, also called guaranteed issue or GI life insurance, is typically a whole life insurance policy with a limited death benefit. There are some that do, but they are rather uncommon. On the opposite end of the spectrum, many insurance companies will stop taking applicants who are older than 80. Policies issued by AGL in all states except NY and ME, Policy #: 15532, ICC15-15532. Must be between the ages of 50 and 80 to apply. I have health issues that keep me from qualifying for a regular life policy. Best Guaranteed Life Insurance Company for Age 40 to 49. If you have not been able to attain any regular insurance plan due to any reason (mainly health), we suggest you a guaranteed acceptance life insurance age 40. Despite these worries, life insurance is important and the decision to get protection should not be postponed. AGL is not licensed to do business in New York. However, there is an option for guaranteed issue insurance at age 40 to 49. Guaranteed Acceptance Life Insurance Rates Under Age 40. You should only look at guaranteed issue life insurance if you have exhausted your other life insurance options, especially if you are under the age of 65. Especially, when you reach the age of 40 years, it is almost halfway through life. However most guaranteed issue life insurance is reserved for people age 40 or 50 and older. All guaranteed issue life insurance carriers have specific age ranges. In general, guaranteed issue life insurance companies don’t make their products available to anyone under the age of 50. If you've been procrastinating due to anxiety over the process, guaranteed issue life insurance could be an option. After that, guaranteed issue life insurance may be worth it if you are healthy enough to survive … Please note, the rates for this guaranteed issue life insurance product are the same for males and females. Great Western is an exception. We work with a carrier that offers guaranteed issue life insurance from 0 to 85. They begin accepting applicants at age 40. Coverage amounts are available up to $25,000 for individuals ages 50-80. Coverage amounts are available up to $25,000 for individuals ages 50-80. AAA Life Insurance sells guaranteed issue life insurance to folks ages 45 to 85 for coverage amounts up to $25,000. For the price you pay, guaranteed issue policies don’t offer much coverage. For example, a $250,000, 20-year term life insurance policy for a woman in her 60s costs, on average, $908 per year. I am a 40 male in Texas looking for a guaranteed issue life insurance policy. In the following table we’ve provided some sample rates for non-smoking applicants that are under the age of 40. I am 40 years old and have not been able to find any company offering this type of policy to people under 45 years old. As with other whole life insurance policies, guaranteed issue policies will build a cash value over time and coverage lasts as long as you continue to pay the premiums. Insurance product are the same for males and females almost halfway through life some rates. Is Great Western the process, guaranteed issue life insurance sells guaranteed issue life insurance folks. 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